vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS IS NOT A DISPUTE! THIS IS A REQUEST. 
I have attached proof of numerous inaccuracies being documented on Equifax credit report which is harming me and I am questioning the legality of Equifax making changes to old reports from XX/XX/XXXX and prior reports electronically. It makes the whole integrity of the reporting system by Equifax inaccurate and an unethical business practices. 
I am formally demandinging to remove the reinserted/inaccurately reported/unverified ( Method of Verification was not provided by Equifax or XXXX ( Have been requesting since XX/XX/XXXX ) as per my right and request under Section 611 ( a ) ( 7 ). 
XXXX and XXXX had investigated the below accounts and removed them XX/XX/XXXX and XX/XX/XXXX respectively. ( Both reported aged accounts for removal XXXX ) After loan officer informed me Collections back on Equifax I sent XXXX a letter on XX/XX/XXXX requesting deletion which they received on XX/XX/XXXX. I called XXXX on XXXX XXXX as well and I was told they could not connect me with that part of the office. I would need to wait for a review and written response. They just sent me settlement statements for debts I do not owe. 
I have listed the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe Credit Report I paid Equifax for on XX/XX/XXXX shows no collections reporting XXXX major bureaus. 
The Credit Report I paid XXXX for on XX/XX/XXXX ( same day ) shows XXXX XXXX just under Equifax. 

Due to the misinformation and inaccurate reporting provided by Equifax this matter has harmed my good name, caused me embarrassment, major confusion amongst all parties involved, excessive Hard Inquiries by XXXX ( loan officer ) which harms me and credit rating and will now stay on my report for XXXX years and has delayed me from closing on a home XXXX times in the past month. At this point I believe I lost the house I was suppose to close on and was rescheduled for today XXXX XXXX due to all the confusion of an inaccurate reporting system. 

I am respectfully demanding to immediately delete the accounts identified above entirely from Equifax credit report due to the misinformation being furnished, inaccurate reporting and discrepancies and send me a free updated credit report. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this matter is not settled ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have gone through relentlessly with XXXX on the reporting of my account. They have sent me a letter stating that the account is not reporting to any of the bureaus. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that 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. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reported an unrecognized hard inquiry form Corelogic/Credco made on XXXX/XXXX/2016 to Equifax they responded that they verified the inquiry and gave me the company making the inquiry. I had no idea who they were or why a hard inquiry should be made. XXXX XXXX. XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX. I contacted XXXX on XXXX/XXXX/2016 and asked for proof or that it be removed. They stated that they would check the validity, I gave them the information they requested and after they looked it up they stated they had no record of any such an inquiry. I told them please remove it from my credit record. They stated that they could not find who had requested an inquiry, They wanted me to fax a copy of my credit report to them so they could check it out or they would not remove it. Of course I refused, I do n't know them, why should I send my personal information to them. 

I WISH MY RECORD CLEARED, PLEASE HELP! 
WHY ARE TOTALLY UNKNOWN ENTITIES PERMITTED TO DAMAGE GOOD CITIZENS CREDIT REPUTATIONS IN THIS MANNER? I THOUGHT THE C.F.P.B. HAD THIS UNDER CONTROL! WHY IS THIS PERMITTED TO HAPPEN??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 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 contacted Equifax to dispute XXXX debts that were n't mine. They never sent me notification the dispute was properly investigated. They simply stopped sending me e-mails telling me they were working on the dispute. I checked on the website but was denied the ability to view the results. This was different than a previous address dispute that was handled in the same manner. In that case I had no problem viewing their results. When I called on the phone, they simply said the creditor verified the debt but would not tell me how or provide me any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have worked for the same company for 20 years and it is n't showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have submitted several disputes on to all XXXX reporting bureaus and only Equifax wo n't remove my ex-husband 's Chapter XXXX Bankruptcy and the accounts that were discharged with his bankruptcy from my report. I have sent Equifax documented proof at least XXXX times and they still claim this is accurate. I have also called them on the phone, and all they tell me is that they are a credit reporting agency, and they only report what is reported to them. They not been helpful over the phone. 
I started this process with them in XXXX of 2014 and I can not get them to resolve this issue, even though the other XXXX credit reporting bureaus have removed my ex-husband 's Chapter XXXX bankruptcy and associated accounts, from my report. 
This has caused me hardship when trying to get a new home loan. No one will finance me with the discharged Chapter XXXX bankruptcy on my credit report. I ca n't even use my VA loan. I have been told if the Chapter XXXX is off of my report, I would get an approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have items on my credit report that are over 7 years old and I am a victim of Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
We sent in a package for the borrower on XXXX/XXXX/2015 to be reviewed for all modification options, XXXX, in-house, etc. Apparently, on XXXX/XXXX/2015, the borrower received an offer for a streamline trial modification with payments that were 49 % of the borrower 's gross monthly income. I, the Housing Counselor, was told that the borrower needed to accept or deny the offer, and would IN THE MEANTIME be reviewed for other options since they had the application on file. The borrower " failed '' the trial mod., because she chose to, and did n't make a payment, with the understanding that she was being reviewed for a more affordable option. I spoke to XXXX XXXX at Seterus, Inc. on XXXX/XXXX/2015 who said the application was received on XXXX/XXXX/2015 and they expected a decision to be made withing 30 days because file was UNDER REVIEW for XXXX and nothing was needed at this time. I was told on XXXX/XXXX/2015 that they had requested a reinstatement letter and no paperwork was needed and that they were waiting for approval. They told me to check back in in a week. I called today and spoke to a XXXX XXXX. He said that they show that no modification was being reviewed for currently and that the client failed the trial mod. YES, the client failed the mod. because she CHOSE to. It was UNAFFORDABLE. He said that he did see a package for XXXX, but it was n't being reviewed, and that I should call back in a week while they " update their screens '' and start to review the file. As far as we knew, the file was complete and being reviewed for XXXX. Also, there is NO single point of contact at Seterus, Inc. You call and speak to a different person each time and there has been no single person communicating with the borrower or working on the file, at least that we have been made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I never lived at this address this came from corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING AT XXXX XXXX XXXX FROM XX/XX/XXXX XXXX MY IS 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 explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Within Equifax the accounts of XXXX XXXX Bank Account XXXX is not mine and XXXX XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute. I have contacted both companies to try and resolve the issue. As, I have been disputing this problem for the last two months. I have told them that this not my accounts and they have stated that they have evidence that it is my account. I have asked them what sort of evidence they have, and they have responded that they have my social security number and birthdate. I have explained to them that the my data has been compromised and that would include my social security number and birth-date. However, they did not want to hear it and did not want to work with me. I have also offer to pay it as I just want it off my credit report. They said that i was able to pay it but they would not guarantee that it would be removed from my credit report. The XXXX accounts are not being cooperative and refuse to remove it from my credit report. The information that they have provided to me has not been a legitimate to state the accounts are mine. I have shown them that police reports have been filed and have made proof that my data has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is written in reference to Equifax Credit Reporting Agency. I feel my federal rights are being violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from this company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/misleading information removed from a credit file.I have contacted all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them and etc. I asked for proof of the alleged debt from creditors. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, how is Equifax stating accounts are " Verified '' on my credit report. The letters I receive from Equifax states accounts " Verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their dadatabase is no sufficient verification of information. I prepared to sue Equifax for being such a pain in the posterior to me. I provided more than enough proof to hsve accounts in question removed since my first dispute XXXX 2014. The accounts in question remains to be particularly XXXX XXXX, XXXX, XXXX duplicate XXXX XXXX account with slightly different account numbers, and University XXXX XXXX. Please assist me in anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/2015 with a zero balance and still showing on my credit report with Equifax open and also show XXXX accounts for this company. XXXX closed and XXXX open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: SC

Complaint narrative:
A check for an amount greater than {$4000.00}, dated XXXX/XXXX/15 was endorsed, presented, and accepted by a bank for deposit on XXXX/XXXX/15. I do not believe this to be proper procedure for a check to be accepted before the date written on the check. What can be done to ensure that this does not occur in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX submitted a Move Out Statement of charges upon vacating a leased property. The amount was disputed on XXXX/XXXX/16 and the Property Manager responded that she would investigate and follow up. I sent another message on XXXX/XXXX/16 and did not receive any response. On XXXX/XXXX/16, I received a call from ProCollect Collections due to the outstanding debt amount. The initial dispute was never resolved before the property owner sent to collections.

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 2015-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc.
State: AE

Complaint narrative:
This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GLA Collection Company, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/16 I received a phone call stating that I owed {$1800.00} to GLA collections regarding a debt from XXXX XXXX. XXXX the representative stated that many letters had been sent to my home address. No letters were ever received. He said he would send out a new XXXX. A week later I received the letter stating the debt, there is no remedy to dispute the debt on the letter nor any policies of GLA collection services for the state of New York on either the front or back page of the letter. I wrote to the address listed on the letter and sent it to them certified mail disputing the debt as it is not accurate. On XXXX XXXX I received the mail certification returned to me stating " return to sender undeliverable ''. 

On XXXX/XXXX/16 I called XXXX at GLA collection services and asked if they had received my letter and they said they had although I have proof from the USPS it was n't delivered. He then stated that an associate in charge of sending out the itemized debt was sick and thats why I had not received the itemized debt statement. I told them that I do not trust any letters that they sent because like the original collection notice they claim was sent several times, the itemized letter was not sent. I also stated how unprofessional it is to tell someone who is disputing the debt that because an employee is sick is the reason why the letter was n't sent. He assured me that the letter was going out XXXX/XXXX/16, today is XXXX/XXXX/16 and still no itemized letter has been received. 

I also asked him that until we could resolve the debt and amounts, GLA should remove the item from the credit reports, he stated that was not possible. He said just pay the debt and we can remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank requires online statements and payment in order to avoid a $ XXXX monthly fee. Because I have an older computer system that XXXX considers to be below its minimum standard for downloading the latest version of XXXX XXXX, my popup windows are not working to remind me of the calendar entry for paying my credit card. As such, I paid my credit card a week late. The Key Bank representative graciously waived the {$37.00} late fee but kept the {$.00} minimum charge to cover the additional interest, to which I agreed, because that is fair. As Key Bank, in an attempt to obtain prepayment of its outstanding balance, sets the next month 's payment as a two-month payment, even though the previous month payment has now been paid and late fee waived. I called Key Bank 's credit card customer service representative, who told me she nor her supervisor had the authority to modify the minimum payment to reflect the previous month 's payment. I have complained once before on this subject when I received this response once before, and Key Bank representative XXXX XXXX competently modified the minimum balance calculation manually. I am looking for this resolution again, but more important, I would like to solve this problem once and for all. I asked the credit card customer service representative, if I could schedule payments in the future when I receive my statement or, even simply schedule a recurring payment every month which will slightly overpay the payment as the balance is paid. Incredibly, I was told that Key Bank offered these features but no longer does so, features that other banks typically provide ( e.g. XXXX XXXX )! Accompanying this complaint are the two relevant screenshots, showing my attempt to set up a recurring transaction and how that feature is disabled once I enter the Key Bank Mastercard account as the recipient of the monthly recurring transaction. I would like to be able to make a recurring transaction because of my inability to receive reminders from my electronic calendar.

Company response to consumer: Closed with explanation