vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a XXXX account that was closed. I was XXXX of XXXX people on that account. I left that contract and the person on the account defaulted on the account. It shows in my credit report ( Equifax, XXXX and XXXX ) as an Open account. This account is closed and I paid the remaining balance out of Good Faith. They still report this on my credit report and did not remove this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been remove almost all my account from my fileXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXTXXXX HAS BENN REMOVE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Equifax but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX mortgage. First Delinquency XXXX XXXX when the company was still XXXX XXXX. Company transferred to XXXX XXXX XXXX and XXXX reset our delinquency as XXXX XXXX. Foreclosed XXXX XXXX Credit Reporting Agencies refuse to delete the account from record despite it 's being almost eight years since first delinquency. They are now telling us we have to wait XXXX years from " last activity '' which was the last time XXXX took payment from us. XXXX is bankrupt as of XXXX and therefore not reachable. Equifax dispute number is above but all three agencies are uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed on my credit file. 

In my last letter I gave them the new and relevant information ( proof that the creditor did not have authorization ) they needed to conduct their investigation. Yet they still verified these inquires. It 's troubling that Equifax continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they ca n't pull. They have failed their responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of their willful non-compliance, I 'm sorry but you left me with no choice. I will be filing complaints with the following agencies : FTC, XXXX, XXXX in your state, Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, XXXX, Advocates for Fair Credit Reporting, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

These complaints will be filed because Equifax just simply refused to follow the law of the FCRA. I had no choice as you forced my hand by not deleting the un-authorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is allowing XXXX or XXXX or in Equifax case no name collections to report on m credit file in Breach of the HIppa laws Privacy act also MY XXXX was paying this so this company has no legal right to report Equifax is allowing them to do so and sharing this information with out the my consent MY medical records are mine and can not be shared for any reason my medical bills are part of that record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I could only select one of the options above but there are actually XXXX. Account terms, Account Status and validation that the account even belongs to me. The issue is with XXXX XXXX Bank who reports different things to XXXX Equifax and XXXX, all are negative and severely damaging my credit report. I have filed a direct dispute with XXXX XXXX Bank in order for them to stop reporting inaccurate and damaging information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very confused by what is being reported by Equifax. They have a XXXX account with a balance and payment status that is wrongggg! I have proof that its paid off and not past due at all! I want this fixed right now! I also see that they are reporting my XXXX mortgage as currently past due but there is no payment history reporting at all! How can this be past due????? I am so confused and frustrated here. This has to be fixed now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Seturus has never sent me any loan servicing documents concerning a home loan they are reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: IL

Complaint narrative:
I had received several calls about some new program under the Obama XXXX saying if I worked for a XXXX, which I do, that I could qualify for loan forgiveness. After several calls I finally inquired with the company, XXXX, about it, and the people told me that they could consolidate my loan and place me on an income driven repayment plan. I was in a hurry to give off the phone, so they rushed me through the process saying I needed to check my credit to see if I could finance their fee, which would cover them sending me the paperwork and them filing it with the student loan company. I agreed to it, not knowing it was a scam, signed the paperwork, paid the down payment, and sent in the required documents, only to have them not complete the process. They have charged my account XXXX for several months. Recently I received an email from the student loan companies saying I had been scammed. I called XXXX and Equitable Acceptance Corporation, the company taking money out of my bank for loan payments, only to have them try to explain it away. It is on my credit report, has hurt my credit and chances to get a house. I am upset that it is a scam and they took advantage of my being in a hurry. I have also contacted the student loan company, and they told me all of this could be done myself to achieve the same results. The consolidation that the scam company tried to do was not eligible or something. I was told that I did n't have to use them, to stop payment at the bank and to contact consumer financial protection to help me fix the issue. I have gotten behind on the student loan situation, but they gave me a deferment now because of this so I can fix it. If I get my money back from Equitable acceptance great, if not just help me get them off of my credit report so I can purchase a house soon. This has been an extremely frustrating process. I have other issues more important to deal with yet have to worry about a scam I should not have to worry about because they take advantage of people. I should have been more careful but they caught me at a vulnerable moment. They made it sound so legitimate and helpful, escpecially in my time of need. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps sending you a response that says I have not provided additional communication. That is not true, I have provided the same additional documents that I have provided to you. I am not sure what the asterisk in front of the statements provided in the response. Additionally, I no longer get a case number from Equifax when I dispute my credit report. Since I have been blocked from online reporting and mail documents. This does n't seem to be in line with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of XXXX delinquency for XXXX accounts as XXXX XX/XX/XXXX. I have contacted the original creditor XXXX XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for XXXX accounts is XXXX XX/XX/XXXX. I have also requested that Equifax, XXXX and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of XXXX delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX is not mine please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax and also faxed letters with my correct address on XX/XX/2016. They continue to report incorrect address, and places of employment for me. I have never worked at the XXXX jobs listed. I was told that they corrected the information in the system, but when I pulled another credit report they are still showing incorrect information. I have sent in supporting documents by fax multiple times for verification of my name, and DL for address. These letters where typed and faxed. I received letters back stating the request is illegible. This is impossible because it was done by fax machine, and I called and spoke with XXXX representatives that assured me the matter was taken care of. But as I said I pulled my report XX/XX/2016 and they are still remaining on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested to have a verification of a tax lien filed XXXX, Equifax keeps giving me this as verified XXXX. I need this to be verified as of now XXXX. I do not want old information, I need an updated verification. If they can not verify it as of XXXX then this needs to be removed or it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TN

Complaint narrative:
This is my third complaint against Seterus, a mortgage company. In XXXX 2015 my XXXX mortgage account was transferred to Seterus " in arrears '' with " funds held in suspense ''. In XX/XX/XXXX XXXX finally admitted in a letter to me and to Seterus that this was their mistake, not mine. My XX/XX/XXXX payment had been misapplied. The attached letter from XXXX received in XX/XX/XXXX further clarifies that my account was current when transferred to Seterus. All mortgage payments to Seterus since XX/XX/XXXX have been made on time or early. After three months since XX/XX/XXXX explained to Seterus that my account was never delinquent, Seterus has failed to acknowledge this, and is still billing me for past due payments! Seterus is a TERRIBLE and INCOMPETENT company. I have never been given a case-worker as I was by XXXX. I have been treated disrespectfully by Seterus phone representatives. I have spent hours making phone calls, writing letters, sending faxes and emails with copies of checks documenting my on-time payments since XX/XX/XXXX! I demand that Seterus bring my account to " current '' status, and repair all damage to my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax on numerous occasions that there is erroneous information being reported in the credit file that is maintained and distributed by Equifax under my Social Security number. The account in question has the original creditor listed as XXXX under account number XXXX as listed in my credit report. This is NOT my account and was entered into my credit file in XXXX. I am demanding that Equifax cease and desist any further reporting of this erroneous information in my credit file. I am requesting that this account is removed from my credit file immediately. The attached letter was sent to Equifax via certified mail, XXXX tracking # XXXX XXXX which Equifax signed for on XX/XX/XXXX regarding this account. This is one of many certified letters that I have sent Equifax regarding this erroneous information. I have also disputed this multiple times via the Equifax online dispute system to no avail. Equifax has repeatedly demonstrated dishonest business practices which has been to the detriment of my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Bureau reporting inaccurate information on my credit file regarding my personal information and accounts that do n't even belong to me. I would like the bureaus to address these issues and remove all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax online dispute services provides an option to DISPUTE INQUIRIES. 
When I select and dispute the inquires; it generates a report for example XXXX and XXXX but in less than 24 hours they close the report saying that the inquiry is factual without requesting the company to provide that the inquiry was authorized. 

They are misleading us and give us to think that we can DISPUTE ONLINE but we cannot. 
Its FALSE. I have requested again to have the inquiries removed due to that I did NOT AUTHORIZE. Also, to mention that they sent the companies a request of my report and the companies fail to provide evidence that I have authorized the inquiry for example, in report XXXX 

I have contacted the companies on my inquiries but due to that they are soo BIG.. They lack to provide me evidence of my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I 've enclosed my recent credit file dated XXXX with a date of XXXX delinquency ( XXXX which according to FCRA guidelines & regulations determines the start date of the the 7 year period that this particular item shall be reported. ( exclusion date XXXX ) .I reached out to Equifax XXXX to inquire if it had been excluded however I was appalled to learn that this item ( XXXX XXXX ) credit report number XXXX had been illegally RE-AGED to start the clock over again.I 've took the initiative to research this matter further with the F.C.R.A being the predominant source of information and learned that the delinquency date CAN NOT & SHOULD NOT be re-started under any circumstances, the new date that i was given was XXXX!! Unfortunately Equifax has no regard for proper reporting of consumers information.I would appreciate greatly your assistance in this matter ... ... sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Was a victim of identify theft by my fianc while I was in the hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hi So equifax had XXXX inquiries under my name, which I did n't recognize. I contacted them for disputing the inquiries, they asked me to contact those lenders directly to ask them to remove because Equifax could n't do anything. 

I called these lenders, one of them was XXXX XXXX XXXX, asked them to check if there was any credit inquiries under my social number or my name, turned out there was none. 
I called Equifax and they said there was nothing they could do because they ca n't remove inquiries, which I find very unsatisfied answers. There were not only XXXX but XXXX unrecognized inquiries, and certainly XXXX on the other hand does n't mess up like Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I can never get a copy of my credit report I 've called and gave my information over the phone. And still nothing I am getting tired of these credit reporting agencies that say you can get your information for free withing XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax and XXXX report an account with XXXX is in collections. I have no account with XXXX and have had no communications from them about an overdue account. Suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The newest transaction history dated XXXX/XXXX/16 shows on XX/XX/XXXX : XXXX certified mail costs and XXXX property inspection fees, and a late charge for {$290.00}, but does n't show an increase in the Suspense Fund balance. These fees and charges were supposed to be credited back to me because of a mistake Ocwen had made. 
I received a billing statement dated XXXX/XXXX/16, which seeks to charge me {$340.00} for fees and charges all over again and another dated XXXX/XXXX/16, which seeks to charge me {$350.00} for fees and charges all over again while at the same time using the refund I was supposed to receive from the credit of those same charges to pay for itself in the form of Suspense Funds in the amount of {$2100.00}, which as stated in the letter from XXXX XXXX from Ocwen 's Office of the Consumer Ombudsman dated XXXX/XXXX/16, my Suspense balance being {$1800.00}, the application of reversing the funds posted to late charges ( {$280.00} ) and expenses ( {$59.00} ) to the Suspense account will provide a balance of {$2100.00}. So why is the Suspense balance {$2100.00} on XX/XX/XXXX, but on XX/XX/XXXX when the batch of XXXX fee transactions appear, it is {$0.00}. Also, according to transaction history provided by Ocwen, my Suspense Fund balance was never {$1800.00}, as XXXX XXXX states in her XX/XX/XXXX letter. It was {$2100.00} on XX/XX/XXXX and prior to that, on XX/XX/XXXX was {$3300.00}. Additionally, the description of the transaction states Late Charge Waived, but the transaction functions to re-charge the amounts rather than refund them. I am essentially being double-charged for something that should not have been charged in the first place. 
Attachment XXXX & XXXX : copies of the transaction history dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX : copy of the statement dated XX/XX/XXXX. 
Attachment XXXX & XXXX : copies of letter from XXXX XXXX. 
Attachment XXXX : copy of the transaction history from XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation