vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Received notice from XXXX XXXX XXXX ( XXXX ) that they had obtained a credit report from Equifax Information Services regarding a request for home owners insurance. Problem, I do not own a home, and according to customer service at XXXX, my credit report is disclosing my home was purchased XX/XX/2015. I am XXXX in live in HUD housing with the XXXX XXXX rental voucher. Equifax is now refusing to provide a copy of my credit report claiming my current address does not match the address of their file. They also are refusing to take proper action in protecting me from possible acts of fraud by allowing others to use my social security number and not allowing my access to items on my credit report or a copy of my credit report. Equifax is also stating they can not send a credit report to me becuase my legal address for two years does not match the address they have within their system. With out the credit report : I can not dispute the inaccurate information that was disclosed by XXXX over the phone and as claimed to be on the credit report. Therefore, without a formal complaint from me disputing the items on my credit report, Equifax has no obligation to conduct an investigation as why others may be using my social security number. Equifax acts provide and enable criminals by protecting them from the true consumers. Equifax has extreme poor customer service when calling by phone and is trying to sell their fraud protection before releasing my credit report for review. I was hung up on four different phone calls when asking for a copy of my report and refusing to pay for the report. I did try getting my credit report on line with the annualcreditreport link and this did work with XXXX and XXXX, yet Equifax sends by electronic message saying Online Delivery Unavailable with a contact phone number and then audio links and customer service sales people try to sell their credit Fraud Protection Services ; be very self serving!

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 — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit report refused to do their duty under the law so I involved the FTC and the Police Deprtment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
after disputing a inaccuracy on my report, with proof attached equifax claimed they contacted the reporter and the reporter claimed the account was still open and in collection : see attached equifax responce. they did offer me a service for XXXX to expedite my dispute. they reported to the cfpb they had not contacted the reporter. i submitted a copy of their response to me to the cfpb showing the falsehood. now im seeing a XXXX point drop on my equifax score! Is this retribution? see other attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The state of Maryland filed a tax lien on me in error. I received a lien release letter from Maryland dated XX/XX/XXXX. I also have two emails from Maryland dated XX/XX/XXXX and XX/XX/XXXX stating that the lien was in error, and that the lien had been withdrawn. I submitted this information online with the above documents attached to Equifax. On XX/XX/XXXX I received notification from Equifax that nothing has changed, and they refuse to remove the lien from my credit report. I called Equifax this morning and was told that once the lien has been recorded, it stays on my record for 7 years, whether it was released or not! I asked to speak to a manager and was told the same thing by her. The incorrect lien record is damaging my personal and business reputation. Please help me to remove it! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has a collection report saying I owe {$290.00} from XXXX. It was originally from an old XXXX cell phone bill. I paid XXXX a long time ago in full. I filed a dispute XXXX times already with equifax and every time it comes back saying I still owe money. I even faxed them a letter from XXXX saying I owe nothing. I call XXXX and they say the account was paid and closed but they wont call equifax directly and equifax wont call XXXX directly to resolve this. They each tell me to call the other company so I ca n't get anywhere as this hurts my credit. I have dealt with this about 6 months now with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I submitted a payment through XXXX XXXX whom then gives me a confirmation number, which then the funds are then drawn from my personal bank account. Seterus does not offer any other options for payments. I am elderly and on a fixed income, I have XXXX late payments and my account is current. Seterus is now saying I owe them a late fee for a payment that I clearly made to them. I called in to their care dept, they were not willing to help me and told me my payment confirmation number meant nothing to them and that I should than take issue with my personal banker for the lapse in payment. So I say again I 'm XXXX yrs old on social security with no other income and really ca n't afford to pay them for their clerical error. The funds have been in the bank since payment was rendered. Now They want me to travel to them and show proof of payment. I Am ready to give up. This company Seterus is awful and the web is litered with complaints of the same type of abuses. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp
State: MD

Complaint narrative:
I have a loan from Equitable Acceptance. They called me about payment and yesterday ( XX/XX/2017 ) at XXXX and at XXXX. They also called my work link at XXXX and a family member shortly after. They should not have this family members phone number. They informed her that they were trying to reach me or my husband about a personal matter. I pay equitable every month. I believe there were only two instances in which I was over 30 days in paying. 

I 'm okay with them calling me. However I am not okay with them reaching out to family members as this feel close to harassment, especially when they had already receive payment for this month ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed an issue concerning whether an account was already paid. I have credit card statements showing that the item was charged to my credit card. The result of that investigation came back stating the charge was verified. I disagree with that result, I have credit card documents backing my position. 



































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Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX XXXX, 2015 i received financing for purchase of a used vehicle yet to be determined. XXXX approved the loan, and told me to go find a car and i was all set. my first trip was to XXXX fl. and i told my salesman i did n't need financing, that i already had it and i did n't want any credit inquiries on my account. he assured me he would n't do that.. I left the dealer thinking there might be XXXX car i liked enough to buy, but decided to do a little comparative shopping.I ended up finding a vehicle online in XXXX fl. I went through the same routine, telling her I had financing and she said she would only do soft inquiries so it would n't show up on my credit report. I now have at least XXXX new hard inquiries on my reports to equifax XXXX, I am not sure about XXXX yet, and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
We started a short sale process with Dovenmuehle Mortgage of XXXX XXXX Illinois in XXXX of this year. They have delayed the completion of this process over the last 3 months. Short sale was necessary because they had refinanced my mother 's property for more than it was worth at the time and left her with more debt on the property than a normal sale would pay off. She had to move out of her house due to declining health and had to resort to short sale to keep from going further in debt with a normal sale. Attached are the requests for information which have all been supplied by our agent with no results.XXXX XXXX, 2015 Appraisal was conducted XXXX XXXX - follow up if Report was back with them XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - Appraisal report still not with the lender XXXX XXXX - A representative said that the file was submitted for review to FHA on XXXX XXXX XXXX XXXX - still no decision, file with FHA XXXX XXXX - still no decision, file with FHA XXXX XXXX - Still no response and the buyer is already anxious to have the closing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax , Inc. does n't actually read and investigate credit report disputes. They have done nothing to correct obvious inaccurate information on my credit report despite having received countless disputes. 
They report that the actual amount of the last payment made for a XXXX account is {$0.00}, that is impossible. This was disputed on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX after every single dispute they failed to conduct an investigation as required by law and continue to report obvious errors. Had they actually investigated this would have been removed months ago. It is n't even my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an auto loan with XXXX. from XXXX/XXXX/XXXX till XXXX/XXXX/XXXX. in excellent status. Please see letter attached from XXXX. 
However, I do not believe Equifax is reporting this information on my Equifax credit report. I would like equifax to correct this reporting and send me a copy of my credit report showing the new update. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Bankruptcy filed in error and vacated credit bureau refuses to investigate and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Disputed negative items on my credit report except for XXXX XXXX XXXX. XXXX XXXX XXXX is a legitimate collection on m y credit report. However as a result of my dispute of my credit report equifax deleted everything except XXXX XXXX XXXX. As of todays date of XX/XX/2016 they have placed a collections back on my credit report of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has the wrong address on my file and it is messing up an auto loan. The address they have is from at least 1.5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent Equifax a dispute via certified mail on XX/XX/XXXX they received it on XX/XX/XXXX as of today, XXXX, they have yet to notify my about status of my dispute. when I get on their web site to check status, it says ( dispute date XX/XX/XXXX -- -- -completion date XXXX ), but when you go to results, there nothing there. as it has been over 30 days I have tried to call, but ca n't get a real person on phone. dispute is about reporting of child support. I contend that said child support should be removed as report date is over 15 years ago, ( XX/XX/XXXX ) ..I also called the state of Missouri, as this is where these XXXX child support cases come from. Missouri says that they are NOT reporting this as it is not their policy to do so on cases this old, especially since we made payment arrangements years ago, as they have been garnishing my pension and social security each month. my obligation with Missouri, per our payment agreement will paid in full by XX/XX/XXXX. it was my request to Equifax , that these XXXX items be removed, as they are over 15 years old and that these cases are closed. I have been working hard to resolve this matter with Missouri, and with all parties involved as I have been trying to repair my credit score, due to XXXX broken relationships, a few bad decisions on my part. please have them remove, as the way I read the guidelines, that these should have been removed long ago. I am no lawyer, so this is why I am turning to you for help. a person should not be persecuted for a few financial hard times out my control, such as layoffs, injuries, ect. the damage has been done, but years of reporting old cases by the credit reporting companies, serves no purpose but to keep a persons numbers down, so that banks and other loaning institutions may jack up interest rates. looks like coercion to me ... ... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry. Tax Lien XXXX Verify and corroborate the information filed in the status, date filed and plaintiff. It seems incorrect and it could be harming my credit worthiness, please correct this or else have it removed from my report XXXX XXXX XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company. UNKNOWN XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. 
I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: CORELOGIC INC
State: IN

Complaint narrative:
CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation