vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed a judgement on my report several times and within a couple of days I would receive a response from Equifax stating the investigation was complete and information verified however I never received any verification or proof that information was verified. Before knowing that I could file a complaint with FCRA, I filed a complaint with XXXX and received a response from Equifax stating that after investigation the Judgement was deleted from my report however it is still reporting on my report. I have attached a copy of the response that I received in regards to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a notice from XXXX that XXXX XXXX Banking at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX inquired on my credit report on XX/XX/XXXX however, I never granted them permission. This shows as a soft pull but I still feel it 's a violation. They were included in a Chapter XXXX BK I filed in XX/XX/XXXX and feel that they are " checking up '' on me. They were very nasty to me when they found out I filed Chapter XXXX back in XX/XX/XXXX and I am positive I have not given them permission for any credit pulls since then.

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

Complaint narrative:
There is public record on my credit report # XXXX, and it is showing incorrect information and I would like for it to be deleted off my credit report. It is currently only on my Equifax credit report and that 's it. The date filled is listed as XX/XX/XXXX reference # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I attached a file ( bankruptcy ) and the ADDRESS on the file DOES N'T MATCH with my address. They have to remove it. I have never lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute with equafax regarding a tax lien and a medical bill. Both are paid and tax lien is reported released. However, the medical bill should of never been filed as collections because notice was never sent out to me telling me my insurance did not pay all of the bill. It was preventive care with a copy and insurance always pays 100 % for preventive care along with copay. As for the tax lien it was paid and it took over a year to get through the right person to show paid and released. The state of Ga revenue office had to file with the county that issued the lien and back and forth with paper work that took over a year to get them to send documents to eachother. Which resulted in incorrect dates showing when it was paid. I disputes several times and only got back completed results showing the debt was mine. I did n't iniate a dispute because of that. I iniated a dispute over information wrongly reported to credit agencies. I want the investigation process revealed to me and XXXX XXXX and XXXX XXXX to show that they did inform me of such money owed to them before sending to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have supplied Equifax with evidence, several times, that both of my tax liens have been paid. They have still not updated my credit report. Equifax is the only reporting service showing these liens in an unpaid status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services reinserted information regarding an account with XXXX XXXX XXXX in the amount of XXXX for cable services that were never rendered. This information was removed in XXXX 2015 and was reinserted under a different collection agency name on XXXX/XXXX/2015. This information needs to be removed from my credit report as it is in error as these are charges for a service that was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
New York Tax Lien - was never notified, not verified or accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In violation of what I have read in the FCRA, Equifax is stating that my dismissed XXXX XXXX will remain on our credit report for 3 additional year. By contrast, XXXX and XXXX have informed us that this dismissal will be removed from our credit report in XXXX and XX/XX/XXXX, respectively, of this year. 

The attorney we worked with did not have all of the paperwork in order for our XXXX XXXX when he filed it in XXXX. He corrected our paperwork and refiled it correctly in XXXX. We completed our payment plan a year and a half early in XXXX. 

We would like for Equifax to comply with the law and remove this Dismissed XXXX XXXX, not later than XX/XX/XXXX. Until then I will not be able to apply for the level of executive positions for which I am qualified. 

I am attaching copies of the dates for removal from my XXXX and XXXX Credit Reports. Please let me know if you need anything further from me on this matter. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has a XXXX credit card showing it is OPEN with a XXXX balance. 
They have been sent copies of the XXXX. This should show the credit card as CLOSED with a XXXX balance. Letter from XXXX was also sent reflecting that this is true information. 
My credit score has dropped without explanation with them for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a paid XXXX account reporting on all XXXX of the credit report agencies.  The original creditor has requested that this account be remove from my credit profile on the XXXX credit reports but XXXX refuses to do so.  They also never updated my account as paid with XXXX.  This is a very shady company as I am sure you get several complaints about them.  I would like the account removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
At the start of 2016, I placed credit freezes with all XXXX credit reporting agencies. I was given 'pin ' numbers in order to set the freezes up. Now I want to apply for additional credit and a car loan. I placed temporary credit lifts with XXXX and XXXX with no problems. However, Equifax refuses to temporarily lift my credit freeze. They want me to send them my credit card number for payment. This service is supposed to be free here in Indiana. They are saying it is free for 'protected ' individuals only. If this is so why did the other XXXX agencies lift the credit freeze for free. For your info I am a XXXX individual. I have been in contact with Equifax continually to no avail. They are deliberately holding me hostage to this credit freeze until I pay them. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was told that the georgia power bill and the bankruptcy case have my address and other personal information stateing that it is my accounts. I have contact georgia power and I was told that was not my account. and I have all so contact the court house where the case was filed. and I spoke to someone and the information was check and I was ask for the last XXXX digit of my social security number and my address and other personal information. and I was told that the information didn`t match and that we were to different people. Equifax updated my information to that person credit report because when equifax ask me send in a copy of my ID. and a copy of my social security number and told me to call them back the next week. when I call back I was told that my information had been updated. equifax used my information that I sent to them to try to make me be that other person. they need to get off their sorry butts and do their job. they have already sent me the lady personal information and we are not the same person also the jobs that was put down where I claim to have work are not mys jobs. also I don`t have no reason to file bankruptcy they need to start working to get this messed fixed. or I will see them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted EQUIFAX XXXX times in writing and requested that they remove '' acct in dispute by customer '' and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent XXXX a letter requesting proof on letter head stating the procedures used to verify this account I asked for proof of verification on courthouse letterhead the name of the person who verified the public act The public act should only be verified by the furnisher which is the bankruptcy court, not a third party such as XXXX or XXXX. Equifax never sent me any information within the 15 day period pertaining the business name address and contact information I requested thats violation number one violation two Equifax sent me a credit report that says verified thats not what I requested and thats not proper protocol when the creditor request for proof. Equifax also have the wrong date equifax has XX/XX/2014 in which it should be XXXX/XXXX/2014. ( paper work attached showing dates ). Im requesting complete deletion of this account. SENDING ME A CREDIT REPORT THAT SAYS VERIFIED IS NOT WHAT I REQUESTED AND ITS NOT PROTOCOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am applying for the Florida hardest hit program. I provided all required document and affidavits explaining my situation. My case was complicated because I use my paycheck to provide money to my XXXX kids and my mom. But now, the underwriters request for me to provide a letter from XXXX XXXX stating who has access to my mother 's account as I appear as a pod in it or a signed lox stating that some transactions in her account are part of my income. 
I contacted XXXX XXXX, they stated that they do n't provide such letters due to liability issues and for me to provide an letter of explanation stating that income in her account is mine would be lying. I already provided XXXX notarized affidavits explaining everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
CFPB : PLEASE BE ADVISED, THIS IS NOT A DUPLICATE COMPLAINT. I AM RESPONDING BACK TO EQUIFAX IN REGARDS TO A WRITTEN LETTER THAT THEY SENT TO ME VIA THE U.S. MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. THANK YOU. 


Equifax Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent 5 previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Equifax to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA, and the FDCPA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
This debt was related to dental services from my dentist, XXXX XXXX XXXX in XXXX XXXX/CA. Somehow she did not tell me about it and all of sudden I got a call from Trojan Services about it. 

I took a loan with XXXX to pay that debt as soon as I could and did it ; however it is still showing up in my report after a long time. I was only contacted once by Trojan and they told me that if I would settle that quick that would never happen but this is not the case. 

I want to really see what I can do to resolve this matter since this was paid properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I lost my Job and fell behind in mortgage payments with XXXX. My mortgage was transferred to Seterus. XX/XX/XXXX, loan is in default, payment of {$2200.00} to bring it up to date, pay by XXXX XXXX, XXXX in addition your regular payment may become due by the expiration date. XX/XX/XXXX paid {$2500.00} certified check with us keeping a copy. XX/XX/XXXX. shortage of {$3300.00} for your convenience we will spread out your payments over the next 12 months. This came with a new mortgage escrow statement adding {$270.00} over 12 months. you may pay the shortage in full by sending. A check for $ XXXX.Spoke to XXXX XXXX who proceeded to tell us to make the necessary payments before XXXX XXXX to avoid escrow another {$900.00}. XX/XX/XXXX sent another {$900.00} ( spoke to XXXX XXXX Seterus to confirm ) ( have copy of certified check ) to fulfill escrow. XX/XX/XXXX cashiers check {$1100.00} ( have copy ) XX/XX/XXXX sent another cashiers check for {$3300.00} ( have copy of certified check ) continued to pay escrow and mortgage payments on time until XX/XX/XXXX! money owing was paid up front with documentation of certified checks to prove it, escrow was for 12 months even though we did n't owe any escrow. but they continued to take escrow from XX/XX/XXXX- XX/XX/XXXX, exceeding the escrow amount even if we did owe it. XX/XX/XXXX they did a review and paid us back {$2500.00}? we have a copy of all certified checks and all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I 'm not sure if this is worthy of your time, however it does seem criminal to me. 
I have been paying my mortgage on a house for over 20 years. I have n't minded that it has been sold many times during that time. It was brought to my attention that I had a late charge by my wifeon my last statement after a change of mortgage company 's. I called to ask about it since I have never been late on a payment. I was told that it was not a late charge but a escrow estimate charge that they had done when acquiring the mortgage. I ask why they passed this fee on to me and they said it was their policy and that 's just the way they do business. Here is my question. Why am I being charged from a company that 's profiting from a purchase they made, and how many others are being fleeced thinking they have a late fee. The company is Carrington Mortgage Services.

Company response to consumer: Closed with explanation