vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 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 had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with them. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau/equifax and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit. Equifax did not do enough to prove that this was not my debt and it was done maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
1. Referring to Complaint # XXXX, Seterus admitted wrong doing with their statement " When an escrow account is created for the disbursement of property tax and/or hazard insurance premiums, an escrow payment is to be created to repay the disbursements. However, XXXX did not create a regular escrow payment. Please be advised that we are unable to explain the actions of XXXX while they serviced the loan. ". 
2. When Sterus can not explain the actions of XXXX, Seterus has the responsibility of obtaining the explanation from XXXX before creating an escrow account. They failed to do it. 
3. The {$0.00} is simply due to round off to higher dollar when I make payments, instead of {$1800.00} to {$1800.00}. It has nothing to do with any escrow payment. 
3. Calling a non-escrow account an escrow account is a deceptive practice. Seterus can not produce a letter from XXXX to confirm it is an escrow account, because XXXX will not say it is an escrow account. 
4. XXXX simply put the amount in an account that will be part of pay off amount. The mortgage is principal and interest payment only. 
5. XXXX sent me a letter stating that the terms and conditions remain the same after transfer to Seterus. But Seterus violated those terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from Equfax. When I got my score XX/XX/XXXX it was XXXX XX/XX/XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as XXXX year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Equifax and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A fraud alert was put on my account without my knowledge. I was in fact a victim at XXXX time of XXXX however ; I have requested in writing to all major credit bureaus, Equifax, XXXX, and XXXX XXXX that the fraud alert was preventing me from get instant credit, credit line increases and etc. I requested for the XXXX time XX/XX/XXXX that the fraud alert be removed immediately. I never received any response. I tried to get a credit line increase with XXXX XXXX Department store and was told that I needed to contact Equifax because they had an alert on my credit file until XX/XX/XXXX. After complaining some years ago, it was taken off however but put back on in XX/XX/XXXX. I am asking that this fraud alert be taken off of my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed amount owed. This account in closed and turned over to collections/ charged off but balanced owed increases weekly. Originally dated of dispute is XXXX/XXXX/17. Company has failed to respond within 30 days and has yet to remove account from credit report. Also said company is scheduled to garnish federal refund. This is account is closed and in collections/charged off, balance increases weekly, and set to offset federal refund for amount other than what 's reported on credit report also has failed to respond to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago Equifax acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for Equifax and XXXX Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.

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 — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I canceled my account before payment was due, yet XXXX still billed me for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account belong to my ex-wife .I do have divorce show i am not responsible for this account. I try to work with credit company did n't remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX/XXXX/2015 I disputed XXXX XXXX XXXX XXXX on my Equifax credit report using the online dispute system. I received notice that that information was " Verified ''. On XXXX/XXXX/15 I sent Equifax a request for method of verification as authorized by FCRA 611 ( a ) ( 7 ). ( attached Doc # XXXX ) This request was delivered to Equifax on XXXX/XXXX/2015 ( Attached Doc. # XXXX ). The Fair Credit Reporting Act requires this method of verification be provided no later than XXXX days after receipt of the request. Equifax has failed to provide me with the requested method of verification and therefore is in violation of the FCRA and my rights therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
We have owned a rental home at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All monthly payments have been paid on time since we have owned it, several years. 
A XXXX Loan. Our payments are made to Seterus Loan number XXXX address : XXXX XXXX, XXXX, XXXX XXXX Tel. # XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The loan was modified through out chapter XXXX Bankruptcy a few years ago. Class XXXX XXXX Bankruptcy XXXX # XXXX. 
Seterus company are holding XXXX of our payments and not crediting it to the loan. They are adding interest and late payments even though all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the XXXX bankrupty in all credit report the bankrupty are 10 plus years old Chapter XXXX and Chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal complain t about Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus refuses to properly service our loan. 
1 ) Seterus refuses to publish 6 years of on time payments to any of the credit bureaus. 
2 ) Seterus refuses to provide monthly statements via mail or online 3 ) No online access to previous or current statements is being made available. 
Seterus told us to send a request via fax to them which they confirmed receipt on, but there has been no written response received in over 30 days. 

Seterus is hindering our ability to rebuild our credit since declaring bankruptcy in 2011. We completed a HAMP modification and have made all payments as agreed since then. We are now eligible for our 6 year ontime payment reward, but it seems that Seterus is doing all they can to have us miss a payment. 

We seek your assistance to remedy this asap. 
Thank you

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

Complaint narrative:
I recenty obtained a copy of my credit report that I dispute Inquiries and Public information. There was unauthorized inquiry made by XXXX company. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Rate Genius Date XX/XX/2016. XXXX. Equifax Mortgage Services Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX CREDIT LLC Date XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Date XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. Tax Lien XXXX XXXX/XXXX/XXXX. XXXX. Chapter XXXX Bankruptcy XXXX XXXX/XXXX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Judgment XXXX XX/XX/XXXX I have disputed XXXX time with them to remove or deleted. The company said they validating credit. This has made my XXXX score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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 continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax did not delete both the disputed account and it 's duplicate collections account which is beyond the 7 year statute of limitation for being on a credit report. Equifax instead only deleted the collections item and left the original creditor. The creditor 's item is well beyond the 7 year period of first default, for being on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 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 Reporting company is making to many hard inquiries to my credit report. The have listed improper and negative information on my report. I have disputed items several times with them on line and have gotten no satisfaction by their explanations. They have blocked me from using their web site to continue to dispute the information they have listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has confirmed that this account XXXX XXXX XXXX XXXX is both inaccurate, and then incomplete, and has stated that there is nothing they can or will do to correct the problems that are apparent on this file. 

Please note the first XXXX responses, however incorrect from EQ - from, we verified your ssXXXX, name, you own the account and those responses were never the issue I do NOT believe that EQ change the designator before XXXX ( their last file print date ) as I have credits reports for each day up and through the date printed on the final report - and with NO change to the Activity Designator. 

Considering the statement date for this card - and considering that XXXX says they are sending a Closed status - I am unable to be left in the middle. 

The account/tradeline 's Activity Designator is incorrect The account Pay History is incorrect The Accounts Pay History is Incorrect As per FCRA rules, that allow for the deletion of tradelines that are in this state - PLEAS DELETE this account. 


Equifax has reviewed the complaint and its records. We show that you recently contacted Equifax on XXXX/XXXX/2016 via case XXXX regarding the item listed in the complaint. The results of the investigation were sent to you on XXXX/XXXX/2016. The activity designator field on XXXX XXXX account XXXX was subsequently updated to C. This update was undone when the credit grantor made their monthly report of this account. You were also advised that this account is reporting as closed by consumer. Please be advised that the " current status '' of an account is reflected in the status field of the trade line and not in the activity designator field. The current status of this account is XXXX.. Equifax is unable to take further action on the items that you have listed on this complaint. As previously requested, if you have additional relevant information and/or documents, please forward it to us and we will review and/or pass the information/documents to the data furnisher for review

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting a past due on account listed as " XXXX XXXX XXXX '', this account is not mine and has never reported and is just now reporting for the XXXX time with a {$660.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Hello, Pressler and Pressler LLP Counsellors at Law XXXX XXXX XXXX. XXXX, New Jersey XXXX. XXXX ( XXXX ) XXXX are trying to collect on a debt that is past the statue of limitations. Furthermore, it is my husband 's who is deceased. The original debt is a credit card sold to XXXX XXXX XXXX. So not only is Pressler attempting to collect this expired debt so is XXXX! Moreover, where they served/mailed the court notice is a place I have n't lived for three years! It was wiped out by the 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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
incorrect addresses listed on credit report. My address is XXXX XXXX XXXX XXXX ny XXXX. And my Job is At the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed some of my accounts through Equifax asking for verification. XXXX of the accounts were charged off in XX/XX/XXXX. They sent me back " verification '' of the accounts with only a balance and missing payments which are already found on my credit report. The accounts were opened in XX/XX/XXXX so I wanted to see actual verification with a signature and other documents. After sending the " verification '' they updated my account to show these XXXX charged off credit cards as my current revolving balance. These accounts were not on my revolving balance for years and I have received no bills for these accounts. This took my credit score down over XXXX points. Can you please help me with getting these accounts removed or at least removed from my current revolving balances. Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The attached updated credit bureau from Equifax is invalid, as the collection agency responded to Equifax that the account was in fact mine. I have attached a copy of my Chapter XXXX bankruptcy release of all creditors, and the company known as XXXX XXXX XXXX is aware of this release. The collection agency is in violation of their subscriber agreement with Equifax. My rights under the Fair Debt Collection Practices Act is in violation as no official assignment was ever processed or procured with the United States Bankruptcy Court. In essence, Equifax has no other recourse but to officially delete the attached account, and the collection agency must purge any information on against me personally and all pertinent information to the account in general.

Company response to consumer: Closed with explanation