vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
The debt in dispute is actually a much bigger problem that it appears. First of all the account was with XXXX XXXX, in default XXXX XXXX. The Fair Debt Collection Practices Act is in play here. The timeline for any collection process ended at six ( 6 ) years in the state of New Hampshire. That date has come and gone. Secondly, XXXX XXXX sold the debt without any assigned proof, and the collection agency maintains a negative item across the board on all credit bureaus, along with XXXX XXXX. Under the Fair Credit Reporting Act, the XXXX XXXX account is at seven ( 7 ) years past the first late payment, and as the 7-year rule goes, all aspects of the account must be deleted permanently. I demand a purge of my information from both XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of an illegal collection from XXXX XXXX XXXX. By law, this matter is dead on all levels. There is no further attachment to credit as well as collection. I demand this account be deleted permanently by XXXX XXXX XXXX in addition to XXXX XXXX. I demand a full review of this illegal collection practice by the Consumer Financial Protection Bureau, a division of the Federal Trade Commission mandated under XXXX XXXX XXXX. This matter must be resolved immediately and all aspects of my file information must be purged permanently. The attached credit bureau posts show the first late payment XXXX XXXX, and as such the timeline can not be extended. Accordingly, I am well within my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have twice paid to have a credit freeze removed from Equifax and they will not lift the freeze and do do not respond to online inquiries. This company should be driven out of business by the Feds they are defrauding people. XXXX and XXXX are never a problem. Only Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My complaint is with Equifax. I tried to go online and get my free credit report, and when I tried to enter the code at the bottom, it told me each time ( 3 times ) that I had entered it incorrectly. Then it told me that I needed to request my annual credit report by mail. I called Equifax at XXXX-customer service. I could get it if I signed up for their program that costs XXXX. I told them that I was not going to pay for something that I am entitled to get for free. I then requested that they send me a hard copy. They told me that there was no way that I could get it online. They being representatives XXXX and XXXX. I went ahead and requested to have my report sent to me in the mail. They said it would take a week. This is just wrong! I should be able to get it for free and online like I did for XXXX and XXXX. I had no problem with them. It should also be noted that I also tried to go online and request my free credit report a month ago, and I could not get it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Office XXXX XXXX XXXX, GA XXXXFax number XXXX XXXX ( once you reach an agent ask to transfer to office XXXX ) I was nastily informed that the Office XXXX made a " in house decision '' that without my consent they had the right to house my credit file and put an alert on there to freeze my credit report without my permission and not disclose any information to me as to why they did it. I received no notification via mail. I was advised that no creditor of my choosing will view or pull my report unless they call a XXXX number first. I did not authorize this. I received many run around and faxed much documents but no avail. I want my credit file with no Fraud Alerts and no freeze and to be open and Available for viewing at any time not just 24-48 hours then re-locked. I informed them I am not the victim of identity theft after verifying much information. but no avail. I was rudely informed by Equifax Office XXXX that my file is with them " indefinitely " I was advised of many different things by different agents in that department of Equifax which is very inconsistent. As a consumer I am very angry and unsatisfied with how I am treated. I do not want my credit being handled by this department of Equifax. I ask that they follow the LAW guidelines of The Federal trade Commission and not there own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see the CFPB number listed below and the response from Equifax. Equifax stated they would send a copy of my credit report and score, which they did not ... I was denied credit based off the score Equifax provide XXXX XXXX. I have Equifax Monitoring system, and they score is stating I have an XXXX, but the score provide to XXXX XXXX is XXXX ... I have attached the letter from Equifax stating they would provide me with my score. I attached the letter they sent as always they are trying to hide the truth! 
Please question why Equifax did not send the score and report as they promised. Now, I have been denied credit because if there concerns with keeping consumers credits score low for greater interest rate for banks and others. Please see all the attached letters and sue Equifax for there action and I will consult an lawyer as well. 

How can Equifax provide a score directly from there site and give a creditor a totally different score .... XXXX stated they got that score directly from Equifax! Please see pictures and letters. Someone is not telling the truth and the lawyer will find out as well. 

# XXXX Response disputed Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. A revised copy of your credit file has been sent to XXXX XXXX. Equifax has sent you a complimentary copy of your credit file with credit score on XXXX/XXXX/16. 
Written confirmation has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax. On XX/XX/2016, I requested the removal of a Chapter XXXX bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2016, Equifax responded and said the information was verified by XXXX. I made contact with XXXX who confirmed that nothing was verified due to a security freeze being in place. 
My question is : How was Equifax able to verify this information if XXXX was frozen?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is no information of this account on my credit report other than the fact its a negative account in the amount of {$44.00} which is impossible because I have full coverage health insurance and have paid all my co-pays in office. This was deleted off XXXX for this reason after their investigation but Equifax has ignored my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I am having a problem with the current holder of my mortgage loan, Seterus Loan Servicing. I have dealt with rude customer service agents who refuse to look at my current financial situation or assign a designated contact to work with me. My loan is a government Fannie Mae loan and I know that there are some new programs available for homeowners like me who are struggling. I bought my home in XXXX and my loan was transferred to XXXX. I dutifully made my monthly payment until the recession hit and I lost my job after 16 years with the same company. I had issues trying to get set up for unemployment and after my savings were depleted I fell behind. Once I found work again I tried to engage with XXXX ( who now held the loan ) but they would not work with me unless I got caught up on the payments -- but I was too far behind at that point. 

I finally got some traction in XXXX when the loan was transferred to Seterus and went through a review for a modification and was approved. The problem was that my payment went up nearly {$400.00} a month and my interest rate was 5.5 %. I was scared this was all I would ever receive from them so I accepted the offer and paid on it for as long as I could until it just did not work anymore. Since that time I have repeatedly tried to re-engage Seterus but have made no progress. I just heard about some new Fannie Mae modification programs that have been started and I believe that I fit into the rules for these programs. I have attempted to get Seterus to review me for these programs but continue to get poor customer service and deal with disinterested and rude agents. I do not think this is a good way to run a company and want to file a complaint against Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TN

Complaint narrative:
Back in XXXX of this year, Seterus XXXX opted me into a coupon program and stopped providing me with online statements. I had been paying on their website at the time and was retrieving my statements online. I did not ask to be opted into the " coupon '' program. I called in XXXX to have this resolved and was told that they were sorry. Then they opted me out of the coupon program and said I should be able to view my statements online. Subsequently I stopped receiving statements of any kind. I no longer received the paper statements by mail and was still unable to view statements online. On XXXX XXXX I called again and was told they found the problem and my XXXX statement would be available. I called on XXXX XXXX and was told that the statement had n't been issued yet and to call back in a few days. I called on XXXX XXXX and was promised a call back. I never received a call back. I called in again on XXXX XXXX and was told they had reached out and to check back in XXXX. I have asked to speak with a manager on multiple occasions and they have refused. To make a long story short, I 'm extremely frustrated. Calls to Seterus are getting me nowhere. I have spoken with XXXX at ext. XXXX and XXXX at ext. XXXX among others. I believe if I 'm paying them they have to provide me with a statement but they are unable or unwilling to provide this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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:
Equifax have copy of police report and so does they company i am disputing. I 've requested equifax to send me copy of contract, proof of validation and they failed to do so several times been back and forth with equifax sine last year i 've sent the letter to the several times every time i dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting XXXX XXXX again on my credit report. I 'll written to you all before about this account associated with XXXX. It has appeared as XXXX XXXX and was removed ; it has been XXXX XXXX XXXX. This is the second time it has been reported as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
In XXXX 2015, I was notified that due to my financial hardship, I was approved for a temporary modification per a trial period from Seterus. It was my understanding that in XXXX 2015 ; I would receive paperwork. If I agreed with the new terms of the loan modification I would sign off. I had called several times throughout the month with questions, such as, if I did not want or agree with the terms, if I could pay back what was owed to put my mortgage back up to date. Throughout that time Seterus representatives called me repeatedly, their purpose was to get me to sign the paper work. Finally on XXXX XXXX, 2015 in addition to the mortgage payment I paid over {$600.00} bringing me back up to date with the payments, I was also charged for bogus late assessment fees from XXXX and XXXX 2015 that I was unaware of, my postage indicates that the payments were sent out on time. None the less I made the payments with the understanding that I would n't be obligated to go through with a modification that only decreased my loan payment by {$130.00} and would have made me obligated to pay on a loan for an addition thirty years making an original 30 year mortgage, a 39 year mortgage payment despite that I had already contributed 9 years toward paying off debt on the mortgage. Also, it was my understanding that by paying the back payments that I would be up to date on my mortgage and all would go back to normal despite the fact that I would continue to suffer a financial hardship. On XXXX XXXX, 2015 despite the fact that the monies XXXX were withdrawn from my account, the mortgage company has stated that my credit is in jeopardy because the monies would be in suspension. This was not explained or my understanding when I begun the trial period modification. In summation I paid Seterus their money. Update my account. I am a struggling single mother with XXXX dependents. This entire ordeal is wrong, unethical, and I am being penalized for something out of my control that I was n't even aware could happen. Seterus is a predatory company that should be penalized for their unethical practices, policies, and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have called, emailed, and contacted Equifax via social media multiple time to request assistance with missing information. Equifax is not including an account that was reported to them 23 days ago, over three weeks. Equifax will not assist in helping resolve the issue and takes every effort to not provide help. 

I have contacted the creditor and this information has been supplied to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX is still reporting a debt that was discharged in bankruptcy. Partial Account number XXXX is still reporting a balance of {$760.00}. I would like this updated to Included in Bankruptcy and balance reported {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC
State: OH

Complaint narrative:
in violation of the fcra, credco continues to erroneously report my discharged bankruptcy past the 10 year non-reportable period. as a result I can not obtain mortgage financing. credco has flagrantly violated the fcra. 
on the civil side, I am represented XXXX. I am a highly skilled XXXX as well. if I am unable to obtain a very substantial settlement, XXXX will pursue this matter in each and every applicable federal and state forum. credco 's litigation costs would be staggering. while in office, XXXX championed consumer rights. he has told me that my case would be like taking candy from a baby!.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
bankruptcy showing incomplete information not showing all lenders, not showing discharge date, not showing attorneys name an address

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Georgia State Tax Lien was placed on my Equifax credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Equifax but the refuse to remove the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An account previously disputed was removed and is now under a new agency and back on my credit report. The account was with XXXX and now with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After submitting no less than XXXX disputes to Equifax they are still reporting a debt that has been deleted by both XXXX and XXXX, as the date of last activity on the account was XX/XX/XXXX and seven years have passed. Equifax has not supplied me with any documentation supporting their XX/XX/XXXX date of last activity. I have contacted XXXX XXXX XXXX and I was told they can no longer access my account records. Equifax 's own payment history chart reflects that the XX/XX/XXXX date is correct, yet they have stated on the phone that they are using the XX/XX/XXXX date because that was the date supplied to them. They have provided me with no documentation to support their XX/XX/XXXX date. Equifax only directs me to " follow up with the creditor '' because they " have no authority to delete the entry '' as they merely report information. When asked to provide documentation regarding their multiple investigations into this issue, I was told " the creditor confirmed the date is accurate '' and " you have to go through the creditor. '' Please help!

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

Complaint narrative:
someone is using my identity in XXXX Tx. Ive never been to texas. I live in Florida. I 've complained to all the credit bureaus and nothing has been done. I notified the companies involved and they did nothing either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is showing a collection of {$240.00} from XXXX XXXX that was reported XXXX XXXX, XXXX. This debt was satisfied with XXXX in XXXX and they are still showing it. Disputed from Equifax and they claimed that they deleted the collection last year but the lender was XXXX now its showing as XXXX XXXX. It seems like the debt was sold to another collection agency. This is hurting my chances to rent a condo and it needs to be resolved immediately. I am not finding any Telephone number for XXXX XXXX to expedite a resolution. Please help Thank you.

Company response to consumer: Closed with explanation