vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XXXX/XXXX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our XXXX score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I lost my job and my wife left me, so I was unable to make all my payments on $ XXXX/week unemployment. XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, refused to accept a short-sale even though I had XXXX offers on my home at the appraised value. XXXX repeatedly and in my opinion intentionally delayed accepting a short-sale until the foreclosure sale date was too close to reverse. ( it was a mess and extremely painful and XXXX ) XXXX also had someone in the wings from Texas ready to purchase it at the foreclosure sale. The whole thing felt underhanded and fraudulent and I 've been the one penalized for the past five years. The house was foreclosed XXXX/XXXX/XXXX. XXXX XXXX continues to report the loan as open on XXXX and Equifax. I have contacted them multiple times in writing to report the account closed. It is STILL reporting as OPEN today when I pulled my credit report on XXXX/XXXX/XXXX. I was denied credit MULTIPLE times over the last several years due too much OPEN debt. I still can not qualify for a car loan or home mortgage. 
XXXX XXXX XXXX XXXX Bank have also reported XXXX loan as XXXX different accounts to the credit agencies. This has also happened to me by XXXX XXXX credit card. Attached are supporting documents and previous letters sent to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have left XXXX on XXXX XXXX, 2015. Befort I left, I have payed the rent on XX/XX/XXXX2015. And payed the water fee of XXXX month on XXXX XXXX, 2015. However, My credit account show that I have overdue debt peported by XXXX. Please help me check. I have not received any mail or email to let me pay something. The attachment is the prove that I have payed off rent and water fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have been locked out of my mortgage account on line. I no longer receive paper statements. When I log on I am directed to a homeowner 's assistance page that will not allow me to have access to my account. I am current on my loan. I have called several times to resolve the matter. Each time I am assured that the matter is resolved and then I wait a couple of days and I am still locked out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have fraudulent and unauthorized credit inquiries and a account that do n't belong to me. I sent Equifax a copy of a police report from XXXX XXXX Police Department in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Over the last 3 months I have told Equifax via mail and over the phone my current address is XXXX XXXX XXXX XXXX NJ XXXX. I explained to them I do n't live or lived at either of the XXXX addresses they had o my credit report. They finally fixed everything about a month and a half ago. I just repulled my credit report and those XXXX old addresses are back and my current address is gone. I need them to put my current address back on my credit report and remove those XXXX addresses once again that I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been disputed this account too many time, and nothing happened every time I call the credit bureau they say there is nothing they can do it about it, XXXX XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX XXXX XXXX NA # XXXX this account do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I just check my credit report and it was said to have a home loan, i have never receieved a loan in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX IS WRONGFULLY MISREPORTING INFORMATION ON MY CREDIT REPORT AND IS NOT TAKING ME SERIOUSLY. I AM A VICTIM OF FRAUD, AND THEY CLAIM THEY VERIFIED SOME DEROGATORY BEHAVIOR ON MY CREDIT REPORT, BUT HAS NOT YET SHOWN PROOF OF THEIR VERIFICATION PROCESS. I AM DISGUSTED THAT SOMETHING LIKE THIS IS ALLOWABLE IN THIS DAY IN AGE OR EVEN LEGAL. PLEASE LOOK INTO THIS MATTER AND INFORM THEM OF THEIR IMMORAL BUSINESS BEHAVIORS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to address the issue on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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 sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting a judgment for XXXX, a satisfied judgment for XXXX and a tax lien for XXXX that I do not believe belong to me. I have never received documentation on these debts and I 've never had issues with my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a mortgage that is not mine and it has negatively impacted my credit and ability to receive loans. I have asked them to expedite the dispute but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
My loan was bought out by Seterus and they underestimated my escrow ( taxes and home owners insurance ) and sent me a bill each month for 9 months for the underestimated amount. Finally, they sent me a letter telling me that I had to pay {$2000.00} to bring it current. 
I refused and paid {$220.00} then {$100.00} or more per month. And now I believe my balance is only {$48.00}. But they claim that it is more and are threatening me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.

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

Complaint narrative:
I recently pulled my credit report and found errors in the information. I have written the company and called several times only to be treated very rude by their customer service. The FCRA states that the only permissible purpose for pulling someone 's credit report is XXXX firm offer of credit b ) insurance c ) employment d ) a court order. The following credit inquiries are none of the aforementioned permissable purposes : XXXX, XXXX XXXX XXXX, XXXX ( twice ) and XXXX XXXX Financial in 2016. I have also requested information in regards to a NY XXXX XXXX XXXX in which there has been no response and should be removed. Lastly I have requested that they update my address to my current and remove all others. Again no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My small business account at Chase was compromised. XXXX ACH debits came out of my account. They all went to the same bank account number with different names. After a month or so working with chase fraud department and local representatives I was assured this would be handled. Finally I received a letter stating that they determined there was nothing they could do. I have copied and pasted the contents of the letter below. I reached out to the other bank and they told me I needed to work with Chase. 

XX/XX/2015Please contact the business that initiated the transaction ( s ) you reported to usClaim number : XXXX XXXX XXXX XXXX XXXX, We 've completed our research on the transaction ( s ) you reported to us on XXXX/XXXX/2015 and determined that it 's abusiness-to-business electronic payment. As a result, we ca n't remove the transaction ( s ) from your account*. 
Please contact the business that initiated the transaction ( s ) to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
A new collection agency, XXXX XXXX, XXXX has begun reporting an old account that should be removed from our credit reports due to the statute of limitations having expired. this account is from an old mortgage that was opened in XX/XX/XXXX and was in default XX/XX/XXXX when we entered negotiations to attempt to get a mortgage modification. The last payment was in XX/XX/XXXX and the collection agency is reporting that a payment was made in XX/XX/XXXX. This is inaccurate since the modification was denied and our home was foreclosed and sold XX/XX/XXXX. After which we filed for XXXX XXXX bankruptcy and this account was listed, however, the creditor charged off the debt and did not file a proof of claim and surrendered their right to collect. I believe some one has falsified some of the dates and details in an attempt to illegally re-aged the account. No mention of this account has ever been reported on my credit reports until XX/XX/XXXX and no it has suddenly appeared as a current and active collection consequently damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I got caught up in a scam which caused fraud to prevent me from getting a credit card or opening a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I fought this medical debt over a XXXX w/my insurance for XXXX years, it is now paid in full by me, but there are several things wrong in the details. XXXX. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.XXXX.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? XXXX. terms are listed as XXXX month? there was no terms.XXXXIt lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.XXXX.All XXXX credit agencies have different dates of XXXX reporting.XXXX was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was XXXX and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

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

Complaint narrative:
XXXX XXXX closed account over 7 years old. 
Need to be removed

Company response to consumer: Closed with explanation