vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The creditor ( XXXX XXXX ) had agreed to remove the late payments from my account. After 2 months, they still were n't removed. I filed a dispute with equifax and in the process the creditor updated the information and my credit report was updated correctly. 30 days later Equifax put all the negative information back on my report and the creditor had not sent anything new in. I provided them with the mortgage verification showing that I have no late payments and they still want me to redispute the item and wait another 30 days. This is not fair and it 's damaging my credit for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Incorrect addresses on both agency 's reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They have made it IMPOSSIBLE to get my FREE report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
collector seized my checking account without notice or hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX and XXXX submitted a credit report adjustment to XXXX, XXXX and Equifax in order for them to remove the negative report. XXXX and XXXX did just that. However, Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I found this collection agency on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.

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

Complaint narrative:
Equifax has Reinserted previously deleted information on my Credit Report, in violation of FCRA Regulations. The Reinserted information was deleted based on the result of a 30 day investigation. Disputed information was tied to a Revolving account with XXXX under account number XXXX. 2 late payments were being reported on this account for the months of XX/XX/XXXX and XX/XX/XXXX. The account was updated on XX/XX/XXXX and the late payments were deleted, however Equifax has reinserted the late payments back onto the account on XX/XX/XXXX. FCRA Regulations do not allow the creditor/furnisher or the consumer credit agency to reinsert previously disputed information after it has been disputed, investigated, and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX I also have an account on my Equifax report that shows as XXXX XXXX as an authorize user and they will not remove it also. The creditor XXXX XXXX told me that they will remove it completely and after disputing to have this remove with Equifax they still will not move this account. XXXX and XXXX removed this account. The XXXX XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct the first XXXX and Equifax will not correct the second XXXX. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
THIS PRESSLER AND PRESSLER LOCATED XXXX XXXX XXXX XXXX, NJ XXXX, THIS COMPANY IS CONSTANT TREATING ME, THIS IS UNCONSITUTIONAL FOR THIS COMPANY TO BE THREATING TO TAKE MY FUNDS, THIS IS NOT THEIR BUSINESS, THEY NEED TO MINE THEIR BUSINESS THEY ARE A RIPP -OFF BECAUSE THEY GET A PERCENTAGE OF WHAT THEY GET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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 contacted Equifax with regards to an unknown collection account # XXXX reporting on my credit file. This company is unknown to me and this debt do not belong to me. I have informed Equifax that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Dating back to XXXX 2015 I was contacted BY XXXX regarding my auto loan. They claimed I was not paying my loan and reported me to the credit bureaus. I tried to work with XXXX, providing documentation, including trace numbers from the bank and they sent me in circles for months. XXXX Bank advised me to file a complaint with all 3 credit bureaus. All 3 bureaus refused to investigate despite the substantiated documents that the lease was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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 disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I disputed several entries on my Equifax credit report that falsely shows I owe XXXX XXXX Hospital the following amounts recorded as ( 1 ) AMT {$360.00} BAL {$500.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 2 ) AMT {$540.00} BAL {$800.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 3 ) AMT {$210.00} BAL {$280.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX. Upon my dispute the credit collection agency, XXXX XXXX , XXXX d/b/a XXXX XXXX, sent me documents supposedly supporting their collection activity, but out of XXXX invoices sent me XXXX show {$0.00} owed. 

I am a 23 year XXXX veteran. I have a service connected XXXX and at all relevant times was validly enrolled in the VA Healthcare System. As you know, VA pays 100 % of all hospital charges that they approve, since I have no other health insurance. Obviously, the unpaid balances derived from the VA refusing to pay for overcharges or inflated billing by XXXX XXXX Hospital/XXXX XXXX XXXX. 
By letters dated XX/XX/2017 I demanded XXXX XXXX, Equifax, and XXXX XXXX stop their false reporting, but to date they have refused to do so. I request you investigate and sanction these XXXX offending parties. Their actions are no way to treat a veteran.. 
Thank you for your assistance in this matter. 
XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, Montana XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I used XXXX to see my credit report and I noticed there 's a couple of things that are on collection that I never applied for. I believe someone else using my informationinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seterus, Inc.
State: IL

Complaint narrative:
On XXXX/XXXX/2012, I completed a deed-in-lieu of foreclosure and was discharged of the mortgage debt of the property located at XXXX, IL. I am now being contacted by the company Seterus , Inc, a debt collection agency. Seterus claims that I am in default on my loan for this property and that I owe them money. I have sent them the warranty deed in lieu of foreclosure several times to prove that I do not own this property and that the debt was discharged, but they continue to send collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them of {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing of {$1200.00} I never owed that much on the card. This is inaccurate all around!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed chapter XXXX non asset bankruptcy in 2013 and some creditors still remain in my credit history as negative when should not be there. I have written letters and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent Equifax over a notarized fraud affidavit along with a police report stating I am the Victim of identity theft and requesting them to block information. They have stated that they must complete a XXXX day investigation. However ; this is IDENTITY THEFT it is clearly stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) that once a credit reporting agency is made aware of the identity theft they have XXXX days to block the information. I have made several calls to them and spoken to managers and they are stating they must do a XXXX day investigation. This is not a dispute it is IDENTITY THEFT. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I just received a 'notice ' from Seterus stating, " Thank you for your recent request for assistance ..., while your request was carefully considered, your loan could not be approved ... ''. I would simply like any sort of proof that I ever asked for any sort of such assistance from Seterus. I have asked to provide information and validation and authorization that Seterus is the servicer of my loan, and those many requests are well documented but after approximately 6 months, Seterus still has not provided anything legitimate or legal but yet continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are XXXX unknown collection posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
We have a bill from XXXX in XX/XX/XXXX from a anesthesiologist. It should of been sent to the insurance company and didnt know we had a bill until roughly a month or so ago when the collections agency ( Midwest Service Bureau ). The XXXX person that called me at work was XXXX XXXX by far the most unprofessional rude person I have ever talked to. She was raising her voice telling me she knew we had money and that we could pay the payment of {$75.00} a month. I told her I could n't do that right now just not possible. I can for sure give you {$25.00} maybe more each month but {$25.00} for sure. She said that was not acceptable and would n't accept my {$25.00}. Comes to find out she had called my wife just before that and ran her completely down to the point of her almost crying at her job. The stuff she said to my wife should of never been said. Talked to a XXXX lady who I believe was the manager XXXX XXXX. She was nice the first time and told me what XXXX offered wasnt correct and that it had to be XXXX payments but would do the {$75.00} since it was offered. Told her Id get back with her and see if they would settle for XXXX. Got a call back and said they wouldnt told her Id see what I could do. Got a call back a week later told her I had nothing but could give {$25.00} She insisted that wont work and its {$75.00} or full amount or they will take it to the next step. She this time was rude just like the last person. I have never been talked to like that and wouldnt wish it on anyone. My wife should of never been talked down to and ran into the ground like she was. I was kind of rude when the lady got rude on the phone the last time but what to you expect when you treat someone like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was reviewing my report and noticed there is an address for XXXX XXXX. I have never lived in XXXX il or even near it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, Specialized Loan Servicing LLC ( " SLS '' ) ( investor and servicer ), owned by XXXX, and XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX both located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX illegally foreclosed on my property in violation of state and federal statutes. In XXXX XXXX, XXXX XXXX XXXX Bank, XXXX. sold the loan and servicing to SLS and assigned a new loan number. XXXX Bank XXXX, XXXX XXXX remained as the Trustee. As of XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX. never filed the transfer of servicing with XXXX XXXX XXXX XXXX and the XXXX number associated with my home shows that the XXXX status is " Inactive '' and the servicer remains XXXX XXXX XXXX Bank XXXX located in XXXX, XXXX. Also, the Assignment of Mortgage with the county Clerk/Register XXXX is invalid since the old loan number has not changed and the new owner and servicer have not been recorded. A Lis Pendes was filed with the county Clerk to clarify the ownership of the property since a civil lawsuit was filed with the district court seeking damages. XXXX XXXX XXXX Bank, XXXX. was contacted to change the information in XXXX, but the Assignment of Mortgage should also be changed with the county Clerk/Register of Deeds. XXXX XXXX XXXX Bank, XXXX. confirmed that they made a mistake in not properly recording the documentation with XXXX and the county Clerk/Register XXXX. Therefore, Specialized Loan Servicing LLC and XXXX Bank XXXX, XXXX XXXX were not in a legal position to initiate foreclosure on the property. The last Assignment of Mortgage for the property was dated in XXXX. XXXX XXXX XXXX Bank, XXXX. was made aware that a civil lawsuit was filed against SLS and XXXX Bank XXXX for wrongful foreclosure based on state and federal statutes.

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