vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I sent Equifax a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Equifax received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:1. XXXX Account # : XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Idaho XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Idaho XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Camelot Financial Services, Inc.
State: OK

Complaint narrative:
this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The CFB has concluded an investigation with XXXX XXXX XXXX XXXX XXXX which they state that their reporting is correct, which it is n't. The supporting document was taken from my credit report on XXXX/XXXX/16 which clearly shows the account to be open with a 106 % utilization ratio, which is a major determinate in XXXX scoring. I am not disputing the bankruptcy but the fact they show the account as open, which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX FALSE INFORMATION ON CREDIT REPORT SEE ATTACH UCC 11 SEARCHES SHOWING TO NEITHER LIENS NOR ANY DEBT refuse to issue full credit report ON CREDIT FILE XXXX/XXXX/XXXX I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

1. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX $ XXXX-See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX {$11000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX SUPRM CT ID XXXX Date XXXX XXXX {$32000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date Apr XXXX over the 7 year period for reporting also See UCC 11 SEARCH herein Attach no liens filed NY XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XX/XX/XXXX {$26000.00} Federal tax lien filed. Please See UCC 11 SEARCH herein Attach no liens filed NY XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Sign under penalty and pains of perjury 28 USC Section 1746 ( 1 ) ( 1 ) If executed without the United States : " I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Dated XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX TRUST CONTRACT XXXX clear violation of the FDCPA act. You are within your rights to sue them for damages in small claims court for these violations.Intend to file a basis of Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I paid off my mortgage ( serviced by Seterus ) in XXXX XXXX and called Seterus on XXXX/XXXX/XXXX asking when I would receive my XXXX form so that I could file my tax return. I was told that it showed that it was mailed around XXXX/XXXX/XXXX and that I should wait a week before I call again, in case I receive it. I did not receive it, so I called back on XXXX/XXXX/XXXX. They stated that it was sent, but they ca n't request a re-mailing/re-sending from their other unit until XXXX/XXXX/XXXX ( their procedures, they said ). They also noted that the mailing address was a XXXX , and wanted to confirm that with me. I said no, the mailing address is and has been the same address as the mortgaged property ( the house I 've been living in for 13 years ). They looked in their records and could not state why my address was changed in their system, but that they would correct it immediately. I told them that I would like to do my taxes, and ca n't without this info. They provided me with the info over the phone, but I informed them that the interest amount ca n't be right because my last statement from them ( XXXX XXXX ) showed an even greater amount. The Customer Service person calculated the numbers again and agreed. They said they would have my XXXX recalculated and send me another one to the correct address. I called back on XXXX/XXXX/XXXX and asked where my XXXX statement was. They said that they mailed it, but it appears it went to a XXXX address again, and said that the system must not have updated on XXXX/XXXX/XXXX when they corrected it ( their internal notes note that the address was corrected on that date ). The verbally told me the corrected XXXX amount, but I also asked that I need something " hard '', and e-mail or a fax of the XXXX so that I can be confident in filing my taxes. They said they ca n't do that. I asked the Customer Service person to please speak with her supervisior to make sure there is n't anything they could do. She said that her supervisor told her that their procedures do not allow me receiving the XXXX via fax or e-mail, and that because I no longer have loan servicing with them, I ca n't access my account on-line. I reiterated my circumstances and asked if they could at least reinstate my on-line account access. The answer was no. I asked them if they would want me to report this to the Consumer Financial Protection Bureau. The customer service person said her supervisor said 'sorry, but that is our procedures. '

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 — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am in the process of trying to get a mortgage for a new home, I sent a letter out to Equifax like 45 days and I still have n't heard anything back from them! I really need to be moving, and it 's frustrating sitting around and waiting to hear from them. I addressed my main concerns in the letter I attached for you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My student loans have been forgiven due to XXXX and the creditor XXXX XXXX XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Equifax and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a bill that have been paid an want to no how to get off my credit Court documents XXXX, deed XXXX, XXXX XXXX court, XXXX tn,XXXX XXXX XXXX XXXX tn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX OF XXXX I am writing to file a complaint against EQUIFAX because of their predatory CREDIT REPORTING practices reporting negative without providing any response from XXXX XXXX Equifax never investigated b. Non responsive c. indistinguishable letter stat that investigation completed and no change XXXX Never provided any response form creditor I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. 
The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
XXXX of XXXX and XXXX NJ is coming after me for a debt we went to Supreme Court In XXXX XXXX NY in XX/XX/XXXX. THEY were not awarded the judge ent and they are also a third party collector for a debt that goes back to XX/XX/XXXX? 
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them! 
What should I do???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Equifax , including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. tenth is account # XXXX with XXXX XXXX XXXX with a zero balance. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2016, after receiving results from disputes on several accounts : XXXX XXXX XXXX, XXXX XXXX XXXX I requested the method of verification under FCRA 611. I also notified Equifax of the failure to timely investigate several accounts listed as US Bankruptcy Court XXXX Ga Case Id : # XXXX ; # XXXX ; # XXXX within 30 days. I specifically described the letter as a " followup to disputed accounts. '' ( See Attached ) I received a notification by email that this letter initiated a new reinvestigation of all said accounts. ( See Attached ) Not only did the company ( Equifax ) neglect the request it misapplied different issues. For example, method verification request does not lead to a new reinvestigation of the same results. Secondly, when you failed to reinvestigate an original dispute in the time allowed unlawfully adding time to do so is not acceptable. Accordingly, the appropriate response to each issue must be addressed. Lastly, the opportunity to make corrections when proof no investigation took place will be counterproductive. Make the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX account XXXX was paid in full and not settlement. i have sent information indicating the account was paid in full. its being reported as settlement by XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I went XXXX XXXX XXXX in XXXX NH. 
Not knowing they did n't accept my XXXX. 
They did not tell me this when I went to I would n't have gone there. 
Got a bill from XXXX XXXX and called XXXX. They explained the situation to me but said this one time they would take care of the bill. Which they did. 
Not I receiving a bill from the DR who say me that day for 1 minute. He didnt even take a XXXX of even look at me in any way. So now I am receiving a bill from they Dr who saw me for {$370.00}. This is outrageous. XXXX already paid the XXXX and I never heard of the DR billing me separately. This is an exorbitant amount for someone to charge and I was only there for 1 minute. 
I am furious at this charge and now they are reporting me to credit. 
This is very unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
While reviewing my EQUIFAX credit report, I noticed that on XXXX/XXXX/2014, an unauthorized inquiry was performed by employee of this XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX, SD XXXX. I did not authorize it nor consent to it.This conduct is in violation of my privacy Rights and FRCA Sect.16 : 1b ( c ). I have personally requested that this adverse information be removed from my report but was denied by EQUIFAX stating that after investigation that the inquiries are factual record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was interested in refinancing my home. I was contacted by telephone by XXXX XXXX, an employee of XXXX XXXX XXXX in XXXX, CA. I explained to XXXX XXXX that I had previously applied for a refinance loan with a company call XXXX XXXX which gave me misleading information, untrue information and generally did n't know what they were doing. XXXX XXXX assured me that would n't happen with XXXX XXXX XXXX. XXXX XXXX asked me a few questions regarding my finances and personal information, but when he asked me for my Social Security number I informed him I do n't give my Social Security number over the phone because of privacy issues ; I had been a victim of credit card fraud in the past. XXXX XXXX told me he could n't give me any accurate rate information without my Social Security number and that he could not proceed in giving me an accurate interest rate quote. I never agreed to apply for a loan with XXXX XXXX XXXX and in fact I was only shopping for interest rate information because of my disillusionment with XXXX XXXX. XXXX XXXX said he would email me an introduction letter and some other mortgage information. I checked my Equifax credit account, as I usually, do because of being a victim of credit card fraud and the leaking of information on XXXX and XXXX XXXX XXXX. I noticed a " hard inquiry '' by a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXThey do credit inquiries for XXXX XXXX Loans. I never authorized, consented or had any knowledge that XXXX XXXX XXXX was going to do a " hard inquiry '' on my credit history which you know can affect credit worthiness of the consumer. I disputed " hard inquiry '' above with Equifax and was promptly told that I would have to contact XXXX XXXX. I did so and was told by XXXX XXXX I had to contact XXXX XXXX Loans, which I did. I received no explanation for their checking my credit history other than I must have applied for a home loan, which I did n't. Now Equifax is doing nothing to correct my credit history and has ceased investigating the issue leaving it to me. This seems a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation