vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been 3 months since I accessed my credit at XXXX and discovered that Equifax has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability Your Comments from the previous and related dispute just filed on XXXX XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the XXXX listed, are inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Trying to get an updated payoff from Sterus on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have been calling Seterus regarding a letter a received advising I was entitled to a {$5000.00} principal reduction in my current mortgage. Each time I have called about the status of the reduction, I am given a different answer. 
1. I was told I was calling to soon about the reduction, to wait until XX/XX/XXXX and follow up again. 
2. I spoke to a representative who had no idea what I was talking about, but was able to reference the notations in the account from my previous call, she could not give me an update. 
3. I spoke with another representative who advised me that I would have to wait another 6 years before the reduction would be applied, but after she read the letter that was issued to me she then advised me that she would submit a request to find out where the funds were, and when they would be applied. 
4. One week later I spoke to yet another representative who advised that there was no response to the previous request for an update and that she would submit another request. 
5. I called the next day to request a supervisor. It was at this point that I was told that the government had to release the funds and that was why it was n't applied and that I would just have to wait for it to be applied. I was also told that I was not the only customer calling in regards to this issue. I insisted that I speak with a supervisor, but was instead transferred to a Subject Matter Expert who then advised me that I could not have a single point of contact to follow up with. She also advised that there was only one person who can respond to the requests that were sent for an update on the status of my principal reduction. 
I do n't know why Seterus can not provide and update but I think that I have waited long enough. I would like some answers sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tried to get my Equifax report for XX/XX/XXXX and was given a message that my credit report could not be delivered online. Same happened in XX/XX/XXXX. And XX/XX/XXXX ... And so on. 
I have n't sent my written request yet for XX/XX/XXXX, but will do so. However my XX/XX/XXXX request took a _long_ time and they still did n't acknowledge my disputes. Equifax also require copies of sensitive personal documents to be sent through the mail before seeing the credit report, thus exposing users to extra risk. 

Equifax are actively trying to game the system by making it as difficult as possible to get credit reports which I have a right to see and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had trouble signing up for Equifax membership product. I finally signed up XXXX XXXX, 2016. After 2 weeks I was scheduled to update my score and report. I continued to get an error " Contact the department at : ''. I contacted the membership department several times and even spoke a supervisor. I was told by each agent that there is some inaccuracies om my report and I need to speak to the dispute department. Not to mention I have also contacted Equifax located in Georgia, in which they also submitted a XXXX ticket to have this fix. In between these times I have contacted the dispute department and spoke to XXXX supervisors.! supervisor confirmed with me too, that there were multiple social security numbers and names associated with my information, and requested I send in proof of my identity. I sent copies of my ssn, ID, Tax forms and proof of address. I have confirmed that they have received my proof. Each time I have received a different response and no on has fixed my issue. Furthermore the dispute dept including the supervisors, have disconnected on me several times ( at least 5 times is an understatement ). I tried to refinance my loan and they tried 3 times to access Equifax 's report ( They only pull for Equifax ). They denied my application, because they were not able to access my report for Equifax. XXXX and XXXX XXXX XXXX has also had trouble accessing my file for Equifax , you will see multiple inquiries for them. This delayed my internet from being connected, in which I just spent over XXXX dollars to start college courses online. The second supervisor claimed it was an address, and she updated it. The other department I have spoke to was the online support department, who has confirmed that I also need to speak to the dispute department, after that XXXX supervisor transferred me again. I attempted to call Equifax again today ( XXXX, Ga XXXX XXXX and I was told the same thing,,, " there was nothing wrong with my report, and I need to have the creditor run a new application. Also they need to make sure they are pulling the correct report. '' I have told each creditor this and if it was that simple ; Why is Equifax , not able to pull an updated credit score or report? I informed the supervisor that I have told th creditors that already. She hung up on me and the agent, ( as usual ) asked for a callback number, in case we were disconnected. But did not call back. My 1st ticket was supposed to be finished XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX ACCOUNT HAS BEEN ON MY EWUIFAX REPORT FOR 7 YESRS NOW AND HAS NOT BEEN DELEED YET THE CREDITOR ALSO HAS NOT REPORTED ANY PAYMENT HISTORY FROM THIS ACCOUNT SO THIS ACCOUNT SHOULD BR DELETED FROM MY EQUIFAX CEEDIT FILE XXXX AND XXXX JUST DELETED XXXX ACCOUNT FROM THEIR REPORTS BECSUSE IT HAS BEEN 7 YEARS AND FOR SOME ODD REASON EQUIFAX IS REFUSING TO DELETED THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX XXXX, I enrolled in XXXX Debt Relief. In XXXX XXXX, XXXX followed their policy and charged off my account in XXXX XXXX. In XX/XX/XXXX XXXX, I received XXXX XXXX from XXXX canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all three credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Identifiable Event Code ( Box XXXX ) listed on the XXXX, XXXX has marked a code of " XXXX '' Instructions for filling out a XXXX states the following XXXX Decision or policy to discontinue collection. XXXX XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but XXXX says I still owe the monies for these cards. Based upon the Identifiable Event Code, XXXX has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid. When discussing the results of my case dispute, I was told the credit bureau utilized the response of the creditor without question, no matter what my argument was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Consolidated Recovery Group, LLC
State: IN

Complaint narrative:
My credit report lists " attorney fees '' and this is not an attorney fees account, it was a company who we used for our Company, XXXX, to collect credit card payments. 
We had a client who returned our motor home late, damaged the motor home, and then did not want to pay for the rental or damages. 
The original date that the collection was recorded was XXXX/XXXX/2011 to the credit bureaus. 
This was a fraudulent charge back situation to our company whereby we submitted a lot of information to the credit company including pictures and our contract and yet they still honored the charge back. This is not our problem, as this company charged back the amount requested by the consumer and we had to contact them to find out why. 
Please see attached credit bureau page where it showed that the original collection was XXXX of 2011. 
I believe legally this now has to be removed from my credit as it has been 7 years. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. After I followed an online link to make money at home by entering produce reviews I was inundated with unsolicited telemarketing phone calls from companies offering an online at home business. XXXX XXXX XXXX XXXX XXXX XXXX was XXXX of them. They contacted me initially on XXXX/XXXX/2016 and they charged me {$4500.00} I paid them on my US Bank credit card. I was convinced ( badgered into ) this website development. I was told that I would with the in three weeks have a fantastic website that would be fully automated to process customer orders without me having to be involved in the daily activities of the website. Products would be loaded including prices and pictures and kept up to date. I was to have an introductory movie, electronic business card, social media connections, funnel page to capture customer information and emails, complete order processing including credit cards and XXXX accounts, and order fulfillment ( order processing, shipments, customer email of order confirmation and tracking information ). As of today nothing is complete. I have worked with XXXX to get the website functioning as intended, to remove the duplicate items, and accept credit cards payments until recently. My last attempt to work with the website had proved that I could not enter an order and therefore I have no idea how I could make any money with a non functional website. I sent letters, emails to request my refund and they ignored my requests. 
These are all the contacts I have for XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

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 monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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 XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
In 2013, I disputed with Equifax Account XXXX XXXX with Equifax based on a plethora of inaccuracies. As expected, the item was deleted from my credit report. However, recently I have noted that Equifax has re-inserted this previously deleted item. As well, Equifax failed to provide timely notice to me of this action taken as required by the FCRA 611 ( 5 ) ( B ) ( ii ). Attached is the dispute results from 2013 which indicate the item was previously deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax refused to delete this inaccurate and unverifiable Public record from my credit report. 
In the results of Equifax " re-investigation '' in my recent dispute. They stated that they ''verified '' this public record. 
They stated that this Tax Lien was released on the date you are reporting and that they verified the information. Which is another lie! 

What was your " Method of verification ''? The court said you never contacted them. Also, using a XXXX party vendor does not work for this purpose. 

Equifax is reporting that the information was from : XXXX Superior Court XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX v. Equifax. The court ruled that you are not allowed to claim any court or government agency furnished, and/ or verified information with the credit bureaus. This would then also include using a court website - even through PACER, to claim a public record is verified. 

This clearly shows that this is not the original source of information. The court house said they never release any information to CRA 's. 

You did not contact the original source of information and did not do it within 30 days this item has to be DELETED. PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been unable to get my Equifax credit report for two years now ( last report obtained XX/XX/XXXX ) because I am unable to get past the online verification questions, even though I answered them correctly. I never had a problem prior to XX/XX/XXXX, nor have I had a problem with XXXX or XXXX. I do not want to send my personal security information through the mail and they do not offer a phone option. My last attempt to get my Equifax report was today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The address : XXXX, Fl XXXX I have never lived at, visited or otherwise have any knowledge of This address except to say we heard that our account was in fact hacked from XXXX And they attempted to have all new credit, cards in my name delivered to this address. Some time ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XX/XX/2016. 
Equifax response : Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. The " key factors '' are general explanations about what may be affecting the score and are not part of the credit file. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to your application for credit. 
XXXX response : Dear XXXX XXXX : We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the free FICO ( R ) score appearing on Account Online. 
The FICO ( R ) score is a reflection of the data in your credit report and is provided to XXXX by Equifax. We are unable to change the FICO ( R ) score appearing on Account Online as updates are only made when we receive information from the consumer reporting agency. 
To report inaccuracies and request corrections, please contact Equifax directly as XXXX can not control information reported by other creditors to the consumer reporting agencies. 
I again am filing a complaint against Equifax and requesting an investigation into why Equifax is providing XXXX different credit scores and their calculation methods that would warrant the same credit report with the same information creating XXXX different credit scores. 


If there is information on your credit report regarding your XXXX ( XXXX ) XXXX XXXX ( XXXX ) account that you feel is inaccurate, please provide us with the details so that we may investigate further.

Company response to consumer: Closed with explanation