vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted Equifax recently to dispute a trade line entry in the credit report Equifax compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Equifax indicated that the dispute would be investigated and a response provided within 30 days. Equifax closed the investigation without addressing the substance of the dispute ; rather Equifax performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Equifax allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Equifax facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Equifax has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Equifax 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, Equifax and XXXX are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. Equifax has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with Equifax of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form Equifax offers for consumers to make requests to update their credit files will not allow for the full 100 word Personal Statement, as mandated by Federal Law. Meanwhile, XXXX similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that Equifax and XXXX would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of 100 words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX has frozen all of my accounts and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX, however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XXXX since I received a raise in XXXX, which means reported income in XXXX will be higher than the income stated on my XXXX tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have several accounts that are over 7 years, I have sent letters to XXXX and Equifax and I have not once received any action notice and XXXX says I 'm deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have submitted a complaint to the state attorney office, regarding the collection procedure of a debt. Again the primary reason for the complaint is the matter, whereby the debt was collected. and because the law firm -collecting on behalf of the original creditor, refused all attempt to collect the debt via me submitting bank information for payment. This debt ended up being settle via the legal system. There are two problems here : 1. Equifax is reporting the debt as not paid and 2. The principal amount for this debt was {$600.00} ; I paid a total of {$1400.00} via forced garnishment from my pay check, which created financial hardship for me within the last 6 months. Hence my reason for filing a complain with the State Attorney Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a prescreened credit card offer from XXXX XXXX for which I am not eligible. Their offer said to call XXXX to stop receiving prescreened offers so I called the number, which represents all XXXX credit bureaus, and the automated system asked for inappropriate information such as social security number, date of birth, home phone number, etc. Consumers are continuously warned not to give out these identifiers because of privacy and identity theft concerns so I hung up. Why are credit card companies asking for this information just to opt out of a prescreened offer? A better way is to change the system to an opt in system so that consumers are not burdened with having to opt out of the numerous sales offers they receive. My complaint is that credit card companies should not be allowed to ask for those private personal identifiers that are used for identity theft. This practice must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Opportunity Financial, LLC
State: UT

Complaint narrative:
I 've had a loan with Opp Loans ( Opportunity Financial ) for over two years, and had always made my payments on time, they raised my credit line from {$1600.00} to {$2200.00} because of my record. 

In XXXX 2016 I became unemployed, at first they worked with me for what I could afford, then they pressured me to try to make payments I could n't afford ( in XXXX of 2016 ). I tried to keep up, but ultimately I could n't any longer. 

Finally in XXXX of 2016, the collections manager ( XXXX ) said to me to log into the website and to make weekly payments of what I could afford, so there 's activity. He said as long as I made these weekly payments, no interest would accrue, I 've done this for 3 months now. 

I had a payment due XXXX XXXX, I forgot to make it, so I made it one day later on XXXX XXXX, I 've made another one today, XXXX XXXX. 

It seems their system does n't recognize my payments, as they added {$230.00} of 'interest ' to my balance, and send me threatening emails and texts every other day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
This morning I checked my bank account and found that you, Seterus, Inc. had attempted to have funds sent to you from my bank account, without my permission or my knowledge. I never gave you permission to withdraw any funds, much less XXXX from my account, by inference or either verbally or in writing directly! I also do not have any outstanding automatic payments with you, so you have forged a funds transfer document to the bank implying that they have my permission to withdraw these funds from my account! I called the bank and put a stop on that for {$30.00}! I believe what you attempted to do would be considered theft or fraud by deception. I have heard that this is a common tactic by your company and have done this to numerous people throughout the country! 
On XX/XX/2015 I called you, as my mortgage lein holder, concerning my outstanding payments and a letter I received about escrow payments. I had previously made a partial payment for XX/XX/XXXX and had made no payment in regards to XX/XX/XXXX. I spoke with a customer service lady by the name of XXXX XXXX and explained to her that I retired XX/XX/2015 and had yet to receive any of my expected monies since retiring. I also explained that I expected to have money within the next week or so. She said I needed to make a payment in order to avoid penalties and bad credit reporting. I explained that I had nothing to make a payment with. She said she needed to have me talk with an account specialist in regards to my late monies. So she transferred me to a gentleman by the name of XXXX. 
I spoke with XXXX and explained my financial situation to him as well. He said he needed to have a payment by XX/XX/XXXX so that I would avoid late penalties and bad credit reporting. I told him that I did n't have money available until I received some of my retirement funds and I did n't want to promise a payment when I did n't know for sure when I 'd have the money to actually pay it. He verified my personal information as well as my banking information and said he 'd put me down for a payment for XX/XX/XXXX and would call me if the funds were n't paid at that time. At that time I thought nothing more of it than the usual keeping track of outstanding loan holder 's information. I never heard anything else from him. 
As I stated previously, you have attempted to get funds from my bank account by alleging that you had my permission to do so, as you have purportedly done to others. You do not, have not, nor will you ever, have permission to enter any of my personal accounts. I want my {$30.00} back for the stop payment fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiries associated with my account were not properly verified by me and I want them removed now. Complained to Equifax Bureau for not properly verifying and would never let me speak to a rep in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A unpaid medical bill showed up on my Equifax credit report. The problem is I never received those services from XXXX XXXX. I have never been to XXXX of their locations and it is possible someone stole my information. The bill is for XXXX dollars and the date of the charge was XXXX XXXX 2015. This is not me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed a public record on my Equifax Report on XXXX. I have been trying to have these records removed from my file for a long time now. There are XXXX public records that have been dismissed by the court and I am not responsible for them. The are not present on my credit file from XXXX or XXXX. However every time I dispute it with Equifax they confirm my ownership and will not remove it. It keeps damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hi, I 've been providing instructions to Navient about how I want overpayments that I 've been sending applied but they have not been honoring my requests. I recently downloaded and submitted the form from the CFPB article " Stop Getting Sidetracked by your Student Loan Servicer '' and the only response I received was a form letter telling me how Navient applies overpayments ( the only sentence in the letter that even seems to match my request to have overpayments applied first to higher interest loans, then to loans with lowest balance, etc seems to be " Once all loans are current, the payment will go to each loan in the billing group, prorated according to its monthly payment amount, or a lesser amount if some of the the monthly payment amount has previously been paid '' ). 

I would really like to be able to pay off my highest interest rate loan first, but Navient does not seem to allow this, and does not even seem to be responding clearly to my request. 

My account is in good standing ( loans from XX/XX/XXXX-XX/XX/XXXX, and I have never had a late payment ). I have XXXX FFELP loans and XXXX PLUS loan, with interest rates ranging from 5.8 % to 8.4 %. The loans were taken out from XXXX ( which had much better customer service ) and sadly were purchased by Navient a number of years ago ; had I known this would happen I would have chosen a different provider at the beginning.

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: FL

Complaint narrative:
There is a withdrawn Federal Tax Lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release form XXXX that has been stamped and signed by the County Courts. I have attached a copy of this form with all court seals and sign off. Equifax continues to improperly report the liens and refuses to recognize the withdrawal which is against the law. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
SETERUS GROUP IS GUILTY OF LOAN FRAUD, LOAN SERVICE FRAUD, LOAN MODIFICATION FRAUD AND ILLEGALLY CLAIMING TO BE THE FEDERAL GOVERNMENT. THEY ARE ACTIVELY ENGAGED IN DECEPTION AND THEY ACTIVELY WITHOLD INFORMATION FROM CUSTOMERS. 

WE HAVE HAD A MORTGAGE NIGHTMARE DEALING WITH THIS XXXX MORTGAGE FRAUD THAT THEY ASSUMED. 

CUSTOMER SERVICE HAS BEEN XXXX. EVERY EMPLOYEE FROM THE SUPERVISOR DOWN LIES TO THE CLIENTS ABOUT WHO OWNS THE MORTGAGE. 

THIS " : WE ARE FANNIE MAE '' SCRIPT IS COMMON IN THE MORTGAGE INDUSTRY. 

THEY ARE ALSO ENGAGED IN LOAN MODIFICATION FRAUD, PRETENDING TO HELP WHILE INTENTIONALLY BEING UNRESPONSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
According to my credit report I have XXXX closed as derogatory accounts and have missed payments which I have no knowledge of. I did n't open or close any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.

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

Complaint narrative:
Equifax has allowed XXXX to report inaccurate information for over five years on my credit report. After multiple times disputing with Equifax and XXXX I have now filed my first lawsuit against both companies. I have another lawsuit that is being prepared against Equifax. Equifax has put me through the ringer for over a year and a half. The XXXX account should not be reporting as it is incorrect information and must be removed. The account reported as a charge off on my credit file when they actually sold the debt. Once the debt was sold in XXXX 2010 it should have updated on my report to list as sold. I have disputed this multiple times with both companies and previously disputed with Equifax through CFPB. I am currently disputing this with XXXX through CFPB case number # XXXX. My previous dispute through CFPB against XXXX was closed out with a simple letter stating that they had responded to me last year. Well my dispute was not the same as the response they sent last year. I have now filed suit against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payments are showing on all student loans, I was in school during those times or my loans have always been in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX wireless shows as collection but I 've never had nor opened an account with XXXX.

Company response to consumer: Closed with explanation