vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have disputed this with XXXX, Equifax and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that one is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers, so he asked for some personal details to secure the tailored offer for me by saving it under my name. 
Few days later, I got an alert ( Through an ID monitoring service ) that my credit report had a hard inquiry twice, once from a company called " Alert center reviews '' which I have never heard of, and another from XXXX XXXX. 
By the time this has already occurred, I had already found the company that has the best reputation and best offer and signed up with them. Few days later I found XXXX more hits on my credit report ( Hard inquiries ). 
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out, he said he will reverse the pull but never did. 
I tried to google the company " advanced home security '' to get their address and send a formal registered letter asking for any evidence of my consent they had when they ran my credit. Only to find out that the company does not exist. At that point I realized that I was a victim of a scam and they fraudulently ran my credit. 
I called Equifax again on XXXX/XXXX/16, and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor, was transferred to XXXX who helped me put an initial 90 days fraud alert but still refused to do anything to reverse the credit pulls and their impact on my credit score. She insisted that I contact the company again and ask them to do it. 
XXXX refused to consolidate the hits in one single it as they are all related to one single topic and still left me with XXXX different pulls from XXXX XXXX plus XXXX pulls from the companies ( Total of XXXX ). 
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
We disputed XXXX XXXX XXXX with Equifax on both myself and my spouse ( XXXX XXXX ), We even went to Court to bring an end to this dispute. We went through the Magistrate Court of XXXX County which brought an end to the dispute. The matter is now Closed and this was sent to Equifax to have the matter to remain after repeated request and the court documents to Remove and close this matter. It appears that Equifax shows positive items as negative stated Sells of Accounts that actually are Insurance disputes. We have had numerous complaints as well as a contact of Equifax being sued under a Class Action for the same thing. We need your assistance as my wife filed a claim under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I want remarks from XXXX XXXX XXXX XXXX to be removed from my Eqifax credit report because it is well over 20 year a old & should no longer appear there.

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

Complaint narrative:
Equifax continues to report that I have a tax lien from the State of XXXX and although they say it has been removed, it continues to remain on the report It is in the amount of XXXX and was inaccurately posted when I lived in XXXX, XXXX and had to prove XXXX residency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to remove this unknown account from my credit file that do not belong to me. To date, Equifax has not remove this account or provided me more information about this account. I am in need of your assistance of getting this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Card companies are deleting Historical account information reporting incorrectly and re-aging of account. CRA are being advised that information is reported correctly that account belongs to consumer. I am not questioning the validation of whom the account belongs to but I am informing the CRA that they are in violation of FCRA ( 7 year maximum reporting period ). All account information which shows deleted or no Historical Account information and payment made not provided is the Credit Reporting agencies attempt to camouflage their violation and report incorrectly. Any and all accounts that are in violation of FCRA ( 7 year maximum reporting period/Historical Account Information not available/Payment History not available ) needs to be removed immediately. Check attached documents and all reporting periods are false. No Historical information is present to validate their reporting period and payment information made is deliberately not shown to continue reporting false information/incorrect/unsupported data. Please investigate and enforce any action necessary. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any. Thank you with sincerest respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I initiated a dispute with Equifax. I filed a complaint with CFPB regarding Equifax not following policies and they refused to respond with the following statement : 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. However, I am not using a credit repair company. I have been dealing with Equifax for years alone. Previously XXXX account for XXXX XXXX was deleted from my credit file last month and then re added. There are XXXX listings on my credit report for XXXX XXXX. Neither of them should be there. Equifax sent me a letter stating their process which clearly has not been followed and I know the process. The XXXX listings are still on my credit report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Inquiries on my Equifax credit report were removed and re-added without any type of notification. I do not understand why this happened because this is a FCRA violation. I tried calling in, but did not get anywhere because the call volume was too high and I had to go back to work. I would really appreciate someone reaching out to me or just resolving this matter behind the scenes by removing these inquiries off of my credit report. I would really appreciate it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX, and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX, ( XXXX ) ; Acct. No. XXXX ; XXXX is reporting that my account is a 'Bad Debt ' and is 'in Collections ' ; they also are reporting that I am making payments of {$5.00} per month for 5 months and that I have a balance of {$22.00}. This account has been paid. I have contacted XXXX numerous times about this account and what they are reporting. I paid XXXX {$22.00} on XXXX XXXX 2015. I received a confirmation letter on XXXX XXXX 2015 sent by XXXX, XXXX Customer Service. This is adverse to my credit, being reported to Equifax , and I would like it removed. 

This circumstance of XXXX reporting that I owe {$22.00} and making payments of {$5.00} a month for 5 months is irrational in that even if I were making payments of {$5.00} per month ... the balance would be paid in full in five months. But, XXXX continues to report the same information month after month ( more than five months ) that my account is ' a bad debt ' and in 'collections '. Even after speaking to XXXX, they still continue reporting the same incorrect information thus continuing to damage my credit. As noted in the attached letter, ( XXXX 's letter of payment and apologize ) for their improper attitude ... XXXX still continues their damaging reporting. The entire matter was about a disagreement of {$22.00} that I finally paid just to end the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the fair credit reporting act, Section 609 ( a ) ( 1 ) ( a ), Equifax is required by law to verify, through the physical verification of the original signed consumer contract- any and all accounts that are posted to my credit profile. I have asked previously for verifiable proof ( an origional consumer contract with my signature on it ) for the accounts listed below. Failure to provide this proof has hurt my ability to obtain credit. Under the FCRA unverified accounts that Equifax has not sent verifiable proof of must be deleted. The accounts in question are listed below Legal Item public record XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit reporting agencies XXXX, Equifax and XXXX are reporting information that I am confident is reporting inaccurately. As I have attempted to dispute the inaccuracies, the agencies are being either uncooperative or non-responsive to my request. I 'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. When you can provide adequate validation of this alleged debt and late entries I will concede to your policy of valid entry. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX, XXXX ; XXXX. App. XXXX XXXX. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX, XXXX, XXXX ( XXXX., XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
I 'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX, No. Civ XXXX ( XXXX. XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. The following are challenged : XXXX XXXX XXXX XXXX XXXX XXXX ( Refelecting Late ) XXXX XXXX ( Refelecting Late ) XXXX XXXX ( ReflectingLate ) XXXX XXXX ( Reflecting Late )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX account paid in for XXXX 2015 this has been left open with no XXXX credit limit. Account was paid in full and closed 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I am tired of the excuses from Seterus. My loan was modified for over 4 months and they refused to send me my current mortgage statement for my own records. I have faxed a letter to Seterus and it has been over two months. Seterus has not reply to my letter. I am frustrated because I want to received my mortgage statement trough mail. However they keep telling me they will provide me with a copy in the mail and still no answer. I do not have any active Attorneys therefore there is not reason why I should n't received my mortgage statement in the mail. I did not wanted to involve the CFBP. However I was forced for all the excuses I been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I tried to log in to the website. I was n't able to log in so I called the customer service phone number and they were n't able to get me to log in after several attempts and temporary passwords. They were able to successfully verify my identity. I used XXXX different browsers while we were trying. I cleared cookies and restarted the computer as they had advised. Nothing worked. The customer service rep finally created a tech support request on his end after an hour of staying on the phone. They asked me to call back in 7 business days to see if the issue has been resolved. I wo n't be refunded for the amount of time I am not able to use the service. I asked to speak to a supervisor and was placed on hold for longer than half an hour. This is on top of my staying on call with their rep for 50 minutes trying to resolve the log in issue. The customer service rep came back online and mentioned that I should try logging in again. I asked him that I need to speak to the supervisor and I do n't want to try anything again. I told him that I am filing a complaint with Bureau of consumer financial protection. As soon as I mentioned that, I had a supervisor on the line ready to speak to me. I asked him to refund me the amount that I paid since my last successful log in. He said he can only refund one month of fees which is wrong. I think it is unfair to have someone stay on phone for longer than an hour of their life trying to resolve an issue that 's on the company 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
EOS CCA repeatedly contacted my home and cell phone numbers over and over allegedly regarding a XXXX account. The account was paid directly to XXXX XXXX. Someone named XXXX kept calling and was speaking so fast that she could not be understood. She became abusive and started calling more when she was told to STOP talking so fast and to STOP calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
many credit companies that ware put in my credit report that ware never opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my Equifax report, my address city is listed as XXXX, Tx XXXX. Up until about 1998 this was correct, but my subdivision then incorporated and formed its own city XXXX XXXX, Tx XXXX. How can I simply get Equifax to correct this address issue? 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation