vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been going over my credit report, and have noticed that Equifax has been posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : -- XXXX XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX - XXXX XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX XXXX was given my report twice in one day ( in XXXX ) and again ( in XX/XX/XXXX ) was given my report three times within 5 days. XXXX XXXX vehemently denies requesting it this many times. The only financing I sought out ( and received ) was a direct result of the inquiries I DID authorize above. I believe there is a huge mistake. Equifax needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
Moreover, Equifax 's notorious " canned '' response of " Inquiries are a factual record of file access '' does not apply when they 're giving it out freely to other people. FCRA says their must be a permissible purpose - you can not give copies out just because someone asks Equifax and most DEFINITELY can not give out copies without my permission. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 5 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney, as will any ensuing responses from Equifax that detriment what I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Today XXXX/XXXX/XXXX I recieved a phone call from a Company called Pioneer Corp. Phone # XXXX XXXX XXXX XXXX. The lady was extremely rude! She stated she was collecting for my student loans, this would be from when I attended XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. What is very strange is she said I owe an amount exactly the same amount XXXX is stating I owe them. Also, she said my loans went into default in XX/XX/XXXX. She acted like this was the first time pioneer has called me but it 's not. I 'm very confused on who is the servicer on these loans because I get no documentation, statements or court orders and they know where I am because XXXX is garnishing my wages. I 'm a server I ca n't even get a job in the field I studied for because the XXXX I worked so hard to get employers do n't look at it as quality education. In a prior complaint I stated XXXX garnished my wages in XX/XX/XXXX I was able to get it stopped but on my check it just says garnishment. XXXX XXXX, XXXX they did it again but this time I ca n't get it stopped, now it says garnishment XXXX. I do n't know if these loan are being sold to collection agencies or if XXXX is connected to Pioneer.I made a compliant this weekend and Monday morning Pioneer called instead of XXXX. So who is servicing my loans and where is the money going?? I have no clue and no statements or letters from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have now mailed Equifax twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I owned a home in Michigan for XXXX years. Shortly after buying, Seterus became the loan servicer. Difficult company to work with overall, extremely difficult to reach anyone and when you do, they are woefully unable to do anything other than recite information you already have. Most recently, I was lucky enough to find a buyer for my home and moved towards closing it XX/XX/XXXX. I was told the payoff prior to closing and it was approximately {$140000.00}. When I showed up to close, the amount had jumped to {$150000.00}. The main driver for the variance was an amount labeled " Interest Arrearage '' in the amount of {$5200.00}. After numerous calls to Seterus and much time wasted, no one is able to explain this or even provide a simple accounting as to the breakdown of the {$5200.00}. Very unprofessional and possible fraudulent. But par for the course with Seterus overall. I 'm hoping this oversight entity, the CFPB, will carry more weight than a lowly consumer such as myself when asking the same questions. Please help!

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 status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least a XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.

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 report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In retaliation of my original complaint with the CFPB against Equifax, the company has cancelled my XXXXBureau Report that I paid for on XXXX and removed my payment methods used. When I noticed this during a routine attempt to view what I bought, I called customer service. The woman ( clearly XXXX ) told me that Equifax failed to bill me for a completely different product and, due to the company 's error, had decided to cancel what I legitimately paid for. 
It is not my responsibility to do Equifax 's job in reminding them to bill me. My payment method was always valid, was previously auto-billed, so the issue was clearly on their end - not mind. But cancelling a product that I legitimately paid for and REFUSING to refund me for the product I paid for is against all known laws. 
Furthermore, Equifax has NOT completed their investigation dated XXXX/XXXX/2015 as my report still reflects the items I disputed as being under investigation, which is against FCRA. 
The agent 's response ( clearly doctored XXXX from CFPB case # XXXX only proves the company has been mishandling mine ( and others ' ) credit report information and has no interest in making things right with the numerous consumers they 've wronged. 
CFPB should hold this company responsible as I 'm certain XXXX ( if not XXXX XXXX will line up behind me in adjudicating Equifax a company that falls short of any semblance of 'organization '. 
Attachments prove they charged my debit card ( which they removed ), and also prove the company is NOT representing the truth in how they 're re-investigating. 
I also have the right to know the procedures used during their re-investigation, which I would like to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX The following account above does not belong to me, and this item is stopping me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
inquiry 's from the last 2 years are fraudulent. police report on file buthas been misplace but have older police report? equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax reports XXXX XXXX XXXX # XXXX WITH A FALSE DOFD. 
THE CORRECT DOFD IS XX/XX/XXXX.XXXX BUREAUS HAVE A DIFFERENT FALSE DOFD AND RADICALLY DIFFERENT PAYMENT HISTORIES YET ALL HAVE BEEN RECENTLY " VERIFIED '' .WITH THE CORRECT DOFD TD BANK COULD BE REMOVED FROM MY REPORT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax in reference to some fraud activity in my credit file as well as unauthorized inquiries. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is the accounts not belonging to me have been removed but you failed to remove the inquiries. As I stated and provided proof I was incarcerated until XX/XX/XXXX. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below. 
XXXX USA XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XXXX XXXX ank XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting negatively on my credit report XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. 
Account # 1 {$280.00} Balance XXXX XXXX Original Creditor {$280.00} High Balance XXXX XXXX, 2016 Opened Date XXXX XXXX, 2016 Last Reported Individual Responsibility Placed for collection Remarks Note I would like the items removed from my credit report, updated bill notifications, and payments reported correctly to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Submitted a dispute of fraudulent inquiries on my credit file with Equifax. Checked the status online it indicates that investigation is complete however complete date indicates XXXX and delivery has N/A.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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 have been disputing XXXX XXXX XXXX for years now with Equifax. I have provided information explaining to them that this account XXXX acc:XXXX does n't not belong to me. I told them everything the had my birthday wrong, my address wrong and XXXX other accounts that was reporting incorrectly. They had removed them but told my to wait on XXXX sense it was getting ready to come off.No cause it 's not mine.I had clearly been a victim. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to have my credit report updated because the listed judgements, which were filed by XXXX in XX/XX/XXXX with a case number XXXX and XXXX filed in XX/XX/XXXX with case number XXXX, were settled and paid in full by my lawyer in XX/XX/XXXX. I have attachments that reflect that these items were paid and closed as part of my settlement. I am in the process of applying for a mortgage and the items do not reflect correctly on my credit report, and this is preventing me from moving forward with my credit application. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to XXXX. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Equifax, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Equifax three times and submitted proof of settlement and payment, but Equifax refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Equifax three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Equifax must change the credit report status from " charge off '' to " paid '' or " settlement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX and have applied for verses financial loans which have been declined because of incorrect information reported on my credit report, such as delinquencies, derogatory reports, and collections which not correct. I have many accounts placed on my credit report, that are not mine which I have disputed many times. This report is Equifax based out of XXXX Ga., address XXXX Ga XXXX. I would appreciate a full investigation with an identity theft inqiuryXXXX XXXXXXXX XXXX PA XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This debt has been paid. Please remove it from the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have contact the Credit Reporting agency several time wih a police report and FTC Report regarding identity theft, fraud and yet they still don.t block information on my credit that is not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is an erroneous address listed on my credit report. I have lived in XXXX, MI but have never lived in XXXX XXXX, MI. Also, a search on XXXX will show that this XXXX XXXX address does not exist! This address needs to be removed from my credit report. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My mother 's house is being foreclosed on by a company called Seterus. The problem is that they are filing the action on an old deed of trust and naming myself in the action. I am NOT on the 2007 ( current ) loan or deed. They are going to ruin my credit by naming me and I AM NOT A PARTY TO THIS FORECLOSURE AT ALL!! They have also been harassing me with several phone calls a day but leaving no messages. They are not responding to my attempts to rectify their error. I can not have my credit ruined by these bandits. They have a right to foreclose but not on an old deed with my name on it! Please help!!

Company response to consumer: Closed with explanation