vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Complete Dept. Stores XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed and that they did not provide me with my contracts with my signature, they are required to promptly delete, under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a student loan payment each month. During a time of financial difficulty, I failed to make the monthly payment for 90 days. This is not in dispute. The issue is this single monthly payment accounts for XXXX separate student loan accounts on the fedloan site. So this XXXX slip up hit my account for XXXX late payments ( 60 days late ) and then XXXX delinquent payments ( 90 days late ) which took my score from XXXX to XXXX. How am I supposed to recover from that and it 's not like you can make a partial payment on the fedloan site. XXXX hits to my credit score from XXXX missed payment over a 90 day period ( XXXX at 60 days past due and another at 90 days past due ). When contacted, fedloan stated they can not make changes to this reporting. I was late, so sorry, but maybe I should pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying for months now to get my credit report because Equifax reports almost everything wrong. There have been deleted items reinserted, XXXX-XXXX accounts from major creditors like XXXX XXXX and XXXX XXXX are n't on my report even though the creditors confirm reporting, and I can no longer dispute collections on my file that have been proven to be in violation of FCRA. I called Equifax about the issue and they are telling me I have to contact some department by mail to update my report address, name, etc. My information has n't changed and on my last report nothing was different so I 'm not seeing why I have to jump through hoops to update a report. I ca n't even access it from their website and the representatives on the phone ca n't pull my report either. Equifax is the worst excuse for a credit reporting agency I have dealt with in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 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 and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
4 ) Seterus inc acct # XXXX was never late! The XX/XX/XXXX payment received by Seterus on XX/XX/XXXX was not posted to account until XX/XX/XXXX. No payment was reflected has been paid for XX/XX/XXXX and XX/XX/XXXX but I have paid every month since the origination of loan. Seterus claim that my payment of {$960.00} ( for over a year ) was a partial payment due to an increase in my monthly escrow! They claim they sent me a letter but I never receive an analysis or oppurtunity to pay the shortage upfront according to Consumer finance regulatio 12CPR part 1024.17 ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive initiated several disputes with Equifax over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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 am a XXXX male that own his home that have no liens or missed payment and is current on all my accounts and the credit agencies keep giving me bad scores because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
In XXXX 2013 XXXX rental properties became vacant without notice from the tenants and breaking leases. Of course, they had to leave the property is total disrepair. Cash on hand was used to repair property for new leases. XXXX of the properties we were able to get current because the mortgage company complied with the terms of the mortgage to apply extra funds to the P & I XXXX and then late charges. However, Seterus will not comply with those terms even though I wrote them quoting the specifics of the mortgage terms. Their position is that it is their option as to how to apply extra funds. The loan could be in a current status and not accuring additional late charges if they would follow other loan servicers ' examples.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has not removed the credit inquiry from XXXX XXXX place on XXXX XXXX, 2016. They advertise they have 30 days to remove the inquiry if incorrect. They are not reading the original complaint Case number : XXXX. This needs to be removed as it was not authorized within my original complaint. Equifax consider this my demand to remove it immediately. I will not stop complaining until it 's corrected or I 'll have my attorney handle it directly. This is being used for documentation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
I tried to get an annual free credit report from Equifax they denied it to me demanding I send in several other documents including social security card proof of paycheck with address and a driver license. First of all social security XXXX for social security withholding taxes and benefits has NOTHING to do with Equifax and they should not even have it! Second employer information has nothing to do with credit. Third driver 's licenses are for driving a car they have NOTHING to do with credit. This was yet another egregious violation of my rights and demands for personal data to collect on me. In additon I am not even seeking credit but yet again I was denied service because of an error in an Equifax credit report. THIS HAPPENS ALOT! I am FEDUP with being held hostage by these companies and demands. As a victim of MULTIPLE data breeches including the latest ones by the XXXX XXXX XXXX XXXX of the U.S. government I am not going to turnover even more personal data that Equifax has no right or need to know. I have gone out of my way to not have things put in my name so that data can not be breeched and credit companies can not collect and sell information on me. Right now they do n't have my current address and I want it that way and I have a right to have it that way. I expect as a TAXPAYER for the CFPB to do something now about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XXXX XXXX, 2016, I received an unsolicited call from XXXX XXXX at US Bank in XXXX XXXX, Arkansas extending an offer to consolidate our loans ( a first and home equity line ). She offered 3.5 % interest on an {$88000.00} loan, for 13 years and payments of {$700.00} ( excluding taxes and insurance ). We agreed to the proposal and began to complete the paperwork to finalize the loan. In the course of our conversation, I *specifically* said " Now XXXX, you 're locking us in at the 3.5 % interest rate, right? '' and she responded with " Yes, I 'll lock in the 3.5 % interest rate ''. I know her exact words because I 've had problems with being baited and mislead with this bank before and I was typing as she spoke. I subsequently received a written Loan Estimate from US Bank with multiple errors - an increase from {$88000.00} to {$94000.00}, cash back which I told her I did NOT want, and ( the primary reason for my complaint ) and interest rate of 4.74 %. I contacted her, expressing my concern, and her reply was " Hello XXXX, I am sorry for the misunderstanding but the rates that were quoted were as low as rates ''. As I mentioned above, I 've had problems with being mislead by US Bank before when we agreed to a Home Equity Line of Credit, but I accepted that as being my fault for not reading the fine print ... that 's why I was so exact with my wording and took the time to write down her specific words when she called. She did NOT say that she was extending us an offer " with rates as low as 3.5 ''. She deliberately and specifically said " I can offer you 3.5 % interest on a loan consolidation '' and then specifically said ( I know I 'm over-using that word, but I 'm very upset right now ) she was going to lock that rate in WHILE WE WERE FILLING OUT THE PAPERWORK ( taking down wage information, confirming employment, etc ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The XXXX credit card account showing on my credit report with a high limit of {$1500.00} is fraud and was opened without my consent because I am a victim of identity theft. I have severally disputed the account in question with the Equifax Credit Bureau requesting them to remove it from my credit report but they have not yet done so. I have also sent them a copy of police investigation confirming that I 'm a victim of identity theft, and furnished them with fraud letters ( attached below ) from creditor. Please I need help with this issue since it is greatly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX is being reported on my XXXX, Equifax , and XXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Seterus failed to pay my property taxes from my escrow account. My property went to auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX was handling this dispute since 2008. Nothing was resolved and I never received my credit report until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: OR

Complaint narrative:
I entered a repayment plan with Seterus, inc. regarding my home loan. I made a verbal agreement to allow ACH payments from my checking account beginning in XX/XX/2017. Seterus has made a withdraw one month early, causing my account to be severely overdrawn. The refuse to reverse the ACH. This is going to cause many fees, and most likely disconnection of my utilities. When I entered into the verbal agreement over the phone I specifically stated that I would need until the XX/XX/2017 ; the agent said that would be no problem. 

Any assistance you office can give will be greatly appreciated. 
XXXX Or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
My name is XXXX. I visited the dentist on XXXX XXXX, 2015, to have my XXXX. The XXXX office is " XXXX XXXX XXXX XXXX ''. Prior to receiving any treatment, I informed XXXX ( the main XXXX ) that I did not want to proceed with any treatment because her office staff stated there would be a charge, and I did not have the money. As much as I explained that I needed to leave, XXXX XXXX was adamant that I stay, and receive the treatment at no charge. I re-iterated again, I was not advised in advance about any charges, and needed to leave. The XXXX assured me that there would be no charge for the XXXX to be XXXX. Later, this turned out to be false, and received a bill for {$250.00}. I contacted the XXXX office to point this error out. All to no avail. The deception in their practice is " to get your signature for XXXX, then start charging you for other services ( not performed ) and add charges for dental work on the same bill ''. The bill stated that the XXXX were sent out to a XXXX to get the XXXX done, but instead she did the work in her own office, as I waited in the chair. I informed XXXX XXXX of XXXX XXXX 's deceptive practices, and will be completing a grievance form through their office, which is my XXXX insurance carrier. I stand in great need of your agency 's assistance to stop this deceptive practices and charges. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX debt was paid in full and is closed. XXXX collection agency has reported to Equifax many times this account is NOT a charge off. I have filed over XXXX online disputes on this debt and me made several phone calls to Equifax to have this resolved. I even signed up for their paid credit monitoring service and during the time of my service my credit score has decreased. They continue to attempt to sell me other credit products and also continue to report false/inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trojan Professional Services, Inc.
State: MD

Complaint narrative:
I have asked Trojan Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 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:
I am filing this complaint because Equifax has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Company is reporting an outstanding balance. There is no outstanding balance, and the account is closed.

Company response to consumer: Closed with explanation