vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called up Equifax about an error in my credit report that they said was resolved and when I checked on credit karma more then a month later the mistake was still there. I have contacted the original debt issuer ( XXXX XXXX XXXX XXXX ) and informed them that they were charging me for a bill ( {$320.00} ) that was my mothers not mine and they had told me they had contacted the debt agency ( XXXX XXXX XXXX ) and told them. Then I contacted XXXX XXXX XXXX and let them know the situation and the lady on the phone said XXXX XXXX XXXX has called and informed them of that and it will take about up to 30 days for it to go away. I asked them if they could email me a conformation of this or send me something in the mail ... There response to me was " NO, we do not send anything out. '' ... few months later is when I contacted Equifax. This is the only credit agency with this debt on it. When I was on the phone with them I questioned them about it the person i was talking to seemed to mess up alot of his answers, as if he did n't know the right thing to say until I told him they emailed me telling me the dispute was resolved and would be removed in 30 days. When I continued to question him on why it is still on the report and how they could resolve it and then never take it off he hangs the phone up on me. I am not sure how else or who else to question about this debt that is being charged to my credit even though the bill was created before I even turned XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not mine. Company has n't deleted item after I provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My last payment to XXXX XXXX was, by their records, XX/XX/XXXX. Therefore, the account would have been 30 days late on or about XX/XX/XXXX. They did not charge-off account until XX/XX/XXXX. My date of first delinquency should have been the date I made my last payment ( XX/XX/XXXX ) and should be erased from my credit report. XXXX XXXX is using the charge-off date XX/XX/XXXX ( almost one year after I made my last payment ) as the date of first delinquency, and therefore this negative account is scheduled to remain on my report longer than it should. I have disputed this repeatedly with Equifax and XXXX XXXX, providing both the account payment history XXXX XXXX provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the the results from the from the so called investigation. XXXX is saying that the account is open, and unpaid, but when you call XXXX XXXX XXXX they say they sent the request to delete the incorrect information on XXXX/XXXX/2016, but Equifax sent me the following information : & gt ; & gt ; & gt ; We have researched the collection account. Account # XXXX The results are : Additional information has been provided from the original source regarding this item. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX I, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Insurance ; Client XXXX ; Amount {$84.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$84.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX TX XXXX Like I said above, XXXX said that the account should be deleted, so I am trying to figure out what type of investigation Equifax is doing when the people who entered the information is saying that they sent a deletion request on XXXX/XXXX/2016, and Equifax is saying that the information is accurate on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
There are XXXX issues with my Chase Mastercard. 
There were a series of non requested upgrading of my card that resulted in charges and eventually fines for a service I did not requested. This affected my credit rating. 
From XX/XX/XXXX to XX/XX/XXXX I had monthly non authorized charges for purchases I did not make, and my account was penalized for overdrawn because I did not pay this illegal charges. Eventually Chase Mastercard made some refunds but they immediately withdrawn supposedly to pay new purchases from the same company whose charges were not authorized. 
As result of this illegal practice I was reported to the credit bureau and received a bad score that seriously affected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My husband and I filed bankruptcy 6 months ago, and everything that was on our credit report was included and discharged. However, on my credit report companies are still reporting that the accounts are either still opened or I 'm behind in my payments. I thought once a person filed bankruptcy the status is supposed to changed to " Included in bankruptcy ''. I have disputed this information being reported to the creditors and Equifax. In addition, I sent them supporting documents and I even called, but I am getting hung up and even after the 30 day wait for the dispute the items on my report are staying the same. I believe what Equifax and the creditors are violating the Fair Reporting Act and have totally disregarded the bankruptcy paperwork which they can retrieve themselves because his is public information. Also, in the public section of my credit report they have n't even added that I filed bankruptcy. I am really sick of this problem, it has been going on for about 5-6 months now after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested deletion of XXXX accounts in which I have letters from the creditors stating it was to be deleted from all credit bureaus. Everyone except Equifax has complied with the request from the creditor. Equifax continues to state the " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : '' the creditors. I have applied them with the letters, spoken with the creditors, and they stated they have requested this to be removed, and Equifax continues to not do this. The XXXX accounts in dispute is the XXXX XXXX and XXXX. I even requested documentation of what was provided to them on XXXX/XXXX/15 when they verified the accuracy and have not recieved the documentation as of today XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX HAS ME REPORTED TO XXXX & EQUIFAX AS HAVING A NEGATIVE ACCOUNT?? I CLOSED THE CREDIT CARD A COUPLE YEARS BACK DUE TO NOT WANTING TO PAY THE YEARLY FEE. THE NEXT THING I KNOW, THAT REPORTED ME AS HAVING A MISSED PAYMENT WHICH I NEVER DID. AND I GOT IT REMOVED BEFORE. AND NOW IT 'S BACK ON MY CREDIT REPORT AGAIN?!? AND THIS TIME IT HAS 2 MONTHS AS LATE AND THE MONTHS ARE EVEN REPORTING DIFFERENT.?!!? 
AND THEY HAVE BEEN RUNNING INQUIRIES ON ME AND I DONT EVEN HAVE AN ACCOUNT WITH THEM ANYMORE!!!?!? 

THEY CA N'T DO THIS. IT 'S HIGHLY ILLEGAL. AND IM GOING TO SUE AT THIS POINT. THIS IS RIDICULOUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report information that they know is in violation of the FCRA ( re-ageing of the account ). 
They have only used EOscar to " verify '' the information and have not provided any legal documentation showing that the following have the standing to show an open account and that they can report the dates shown. The listed companies are well known for this type of action ( refer to FTC ) Upon Review of my Credit report the you will find that the Original Creditor information if very different then what is being reported. This will support my claim of illegal and damaging reporting on my credit report. 
Collection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXCollection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXXStatus : OpenOpened Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Credit Inquiries Equifax Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was advised in XXXX. XXXX by the IRS of identity theft after filing my XXXX return. I completed all the necessary and required steps and had my credit reports locked down by all XXXX agencies-I thought. I was advised by the IRS in XXXX of XXXX of of having my identity stolen again. I completed all the necessary steps. The IRS advised I apply for a pin number. I did but XXXX of the requirements was to submit a credit card and to do that I needed to have my locked down report at Equifax to be temporarily lifted. I was unable to lift it because it said it had not been locked down and my only choice was to lock it down, not a choice to lift it. I attempted in every way to talk to someone but I found it impossible to have a voice contact with Equifax. This is unacceptable. If these types of organizations want to have the responsibility of the " keeper of the keys '', they need to make themselves readily available to the consumer and not hide behind websites and phone trees. These types of organizations need to be held accountable for easy access by the public when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
trying to obtain credit reports from XXXX and Equifax someone else had to set up a account now I ca n't even dispute on because they state 's I do n't know my grandmother 's name, come on now a few bank are mad and I need them to correct payment histories an balances I have a wrongful foreclosure on my credit report and I can provide supporting document but I need where I guess no one can access accounts online seeing how this is not the XXXX time this has occurred when my email address has n't changed in over 7 years but my grandmother 's name have?? come on now this not fair also that there 's numerous inaccurate information being reported and I 'm just trying to correct it and move on in the financial world but this is holding up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX is illegally reporting accounts appearing as XXXX XXXX and XXXX XXXX on my credit report and multiple inquiries that came from 1 offer from XXXX. DUPLICATE INCORRECT MEDICAL ACCOUNTS XXXX AND XXXX THAT INSURANCE FAILED TO PAY OR NOTIFY AND WAS SETTLED. This is also very inconsistent with my other reports that they can see as I was duped into buying the XXXX credit over the phone. XXXX/XXXX/17 I disputed these items for a 2nd time with EQUIFAX and they came back verified again but with no verification proof. I contacted both companies and seems everyone either refuses to talk to me or seems to leave me on hold for long periods of time. So, I wrote them a letter demanding them to send me any information on this debt that I was being held liable for and I got no response. This is CRITICLY damaging my credit score and has been for almost 1.5 years without me knowing. They have been appearing as negative items. I called XXXX and they refused to talk to me and stated the only way to fix it is through the credit bureaus. XXXX/XXXX/17 I contacted EQUIFAX and I was told it was verified. I asked what method of validation was used and did n't receive an answer. This is very illegal and goes against all of the federal laws. 

I disputed some items with EQUIFAX and they were not resolved so I decided to pay and get a more detailed report. I tried to setup online but after the signup I was taken to a number to call to verify my info. So I called in on XXXX/XXXX/17 for some assistance with activating my account. I called the number an a foreign gentleman asked me some basic questions and reset my password but nothing to really re-verify who I was. He then asked me why I wanted a login. I mentioned for verifying all my information was correct. He then said great I 'll get your payment now. So I was then sold the XXXX credit report when I said can I not do it online he said I may have problems because of resetting my password. Later, I feel duped and kinda mad the way the guy seemed to speak down to me. I 'm sure those calls are recorded. 

CONF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Early this year SETERUS changed their payment coupon making it impossible to allocate funds in excess of the normal monthly payment ie ; the ability to direct the funds to the monthly payment and the excess to the principal. I normally pay in excess of the monthly payment and since the coupon change SETERUS has misapproprited my funds, ,assessed late payments and wasted hours with me on the phone addressing these issues on nearly a monthly basis since the first of the year. 
My most recent payment was in the form of XXXX checks, XXXX for the monthly payment and XXXX for the principal. SETERUS is now holding the entire amount in suspense ( unapplied ).

Company response to consumer: Closed with explanation