vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Chapter XXXX bankruptcy was filed on XXXX XXXX and was discharged by Illinois Federal Courts in XXXX XXXX. I am aware per FCRA that federal law does not state that a bankruptcy MUST stay on your credit report for 7-10 years. The law ONLY states that it MUST be removed after the falloff date of XXXX XXXX. I am also aware that EQUIFAX can remove this public record prior to the maximum 10 years, if I 've proven myself a excellent credit risk. I am asking in good faith that this Chapter XXXX Bankruptcy be removed immediately. I have shown that I am creditworthy and a very low risk consumer of credit by paying all my current account on time for more than 5 years. If you examine my entire credit history thoroughly one could determine I was a excellent credit risk prior to my bankruptcy. The reason behind my bankruptcy was fueled by the Housing Market Crash. I was in good standing with all my creditors and had never paid late before. I had several credit cards that was included in my bankruptcy do to the nature of the Chapter # XXXX filing. I humbly request that this detrimental public report be removed, so that I may move continue to forward in purchasing the home of my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The credit bureaus have told me that they have verified that this public record is correct but has not showed me how they verified it. A bankruptcy that was placed on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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:
I am filing this complaint becasue 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 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requiredto promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
NOTICE OF ERROR AND REQUEST FOR CORRECTION XXXX This is in response to your letter dated XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of XXXX that initiated the contracts ) on XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XXXX. 
3. The rescission was proper, timely, and unchallenged by XXXX in " XXXX ''. 
4. XXXX I put a copy of the same written request in the hands of XXXX of XXXX. XXXX did not challenge the rescission in XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XXXX were rescinded and extinguished XXXX. 
7. XXXX did not acquire servicing rights from XXXX on XXXX, as there were no loans to service. XXXX can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by XXXX against my property were effectively rescinded in XXXX and were not a part of XXXX receivership by the FDIC in XXXX. 
9. XXXX 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to Seterus is unconscionable. 
10. Seterus has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of Seterus '. XXXX had a record of the loans with their corresponding numbers from XXXX from XXXX. 
11. Seterus does not service or recognize the above listed Mortgage contract identified with ID # XXXX. XXXX must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. XXXX needs to remove the deceptive assignments of Security Deed as XXXX did not acquire ownership to convey to XXXX. XXXX XXXX gained ownership of the defective paper in XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
THIS COMPLAINT MIMICS COMPLAINT ABOUT XXXX AS THE XXXX COMPANIES ARE ACTING IN CONCERT TO DEPRIVE ME OF MY PROPERTY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 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:
Someone stole my identity and file federal income taxes and open credit cards and loans. I am unable to get a copy of my equifax report because the information they have on file and what I 'm reporting is not the same. I received my taxes after a year of proving myself to the IRS. Now I 'm trying to obtain a mortgage it 's showing up that I already have one which is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
requested verification regarding a bankruptcy on credit report. they stated it was verified as true. after contacting bankrupty court they stated that they do n't report or verify any information to the credit reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have got my social security and birth certificate and California I 'd and my I 'd has been stolen once and my social has been used and does not match my name and I 'm the official XXXX XXXX XXXX my social has been used and misused without my concern and I unexpectedly get random letters or information I have n't applied for but this is my XXXX time I 'm XXXX and I refuse for my life to go down hill for something unusual I 'm not use tootoo. My I 'd has been stolen once in XXXX and my birth certificate got stolen last year of 2014 and my XXXX has been stolen from me last week. So all I have is my I 'd and that 's it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Several week ago I filed a dispute with Equifax to remove an inquiry from XXXX XXXX. Below is the dispute I placed with Equifax .... 
" THIS DISPUTE IS WITH XXXX XXXX. ON XX/XX/XXXX I DID AN ONLINE APPLICATION. XXXX PULLED XXXX HARD INQUIRY FOR XXXX APPLICATION XXXX AND XXXX OF XXXX. I WAS TOLD BY XXXX THAT I NEED TO CONTACT EQUIFAX. EQUIFAX WOULD CONTACT XXXX AND XXXX WOULD TELL EQUIFAX THAT XXXX OF THE INQUIRY SHOULD BE MOVED TO THE SOFT SECTION OF MY REPORT. 
Instead Equifax placed my dispute as a statement in the " Consumer Statement '' section of my credit report. After finding this out, I placed a dispute with Equifax again and wrote this ... " PLEASE REMOVE THE " CONSUMER STATEMENT ''. THAT WAS MISTAKENLY PLACED ON MY CREDIT FILE BY EQUIFAX. I WAS DISPUTING AN INQUIRY ON MY CREDIT REPORT NOT FILING A " CONSUMER STATEMENT ''. PLEASE REMOVE THE " CONSUMER STATEMENT ''. THE INQUIRY WAS REMOVED BY XXXX SOME 23 WEEKS AGO. 
Again Equifax placed my dispute in the " Consumer Statement '' section of my credit report. I do not know if my efforts with XXXX had the inquiry removed or if Equifax had it removed. 
What I would like the CFPB to do is contact Equifax and have the " Consumer Statement '' section cleared. There should be no statement from me in the " Consumer Statement '' section of my Equifax credit report. Please have Equifax send me a corrected copy of my credit report. Thank You. XXXX XXXX XXXX I have enclosed a copy of my XX/XX/XXXX Equifax credit report. Please have Equifax remove any information from the " Consumer Statement '' section of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 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 that 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 matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the year XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equfax was a XXXX paid off XXXX on my file then score drop XXXX points WHY!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote to Equifax on XXXX XXXX, asking them to investigate XXXX accounts on my credit report. As of today, they have yet to respond to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the originalcontract with XXXX began. That date is XXXX XXXX, 2008. I have writtenEquifax on numerous occasions to have them put this date on the account, and they havenot done so. Please have them list this date as soon as you receive my complaint.

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: CA

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 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe there is a mistake with my credit report. There is an open collection account from XXXX ( XXXX XXXX XXXX XXXX ) that was started on XX/XX/XXXX to XX/XX/XXXX. It is now managed by an agency called XXXX. It says I owe {$680.00}. One reason this is impossible is that at the start of this debt, I was only XXXX years old. I was but only a XXXX at high school. I do not recall ever being a patient at XXXX. I have never heard of this place until I opened an account in XXXX.

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:
i need to validate the debt and confirm the payment history, first date of delinquency, account type, credit limit, past due and balance for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EQUIFAX to remove negative credit reporting activities of the DEPT OF ED/NAVIENT and NAVIENT, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EQUIFAX has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by the DEPT OF ED/NAVIENT and/or NAVIENT ) subject to public access. I, the consumer, offer this affidavit to EQUIFAX for the refusal to remove negative items/accounts from my credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information provided by these entities in regards to the accounts being reported. See Attached notice by affidavit with supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
To Whomever it may concern, I lost my home to foreclosure in 2006, prior to that I attempted to file for bankruptcy in order to save my home but it failed. During that time all of my bills were in limbo.Once everything fell thru I was contacted by I believe at the time XXXX XXXX XXXX XXXX and then Pressler and Pressler stating that they had purchased a debt from XXXX for a XXXX telephone bill of {$120.00} to which they state is now well over {$800.00} in which I 'm not even sure is mine. As the years have gone on I finally said lets be done with them and just pay it. I set up a payment arrangement with them and after my second payment, they placed a levy/hold on my bank account without notice and proceeded to try and take my money in which the court returned to me. I have been living in fear of them for over 10 years. They have harassed, threatened me and any family members that they could get a hold of. I 've moved and I feel like I 'm in hiding over such a trivial matter but it 's just the response to the fear that I have of them. They are by far the most ruthless and unethical law firm that I have ever come across or know of. I just want to be able to get a bank account with confidence without worry about whether or not they will find a court or judge to sign off on a judgement without knowing all the facts and proof that it 's a debt that I owe. And above all else without proper notification to me. Please help. I 'm not sure what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed now twice with no response regarding XXXX medical collections that are unknown and outdated listed on my credit file. I would like these removed as they are false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Presser and Presser, XXXX has threating me to collect money from me when I do n't own them nothing. Along with XXXX XXXX XXXX XXXX, Pressler and Pressler has now even filed for wage garnishment when I owe XXXX amount to their such client. I request federal government to strong action against the firm and suspend their license. In fact, XXXX County Special Civil Court has been the reason as well, if they did their job correctly, consumers like would have suffered to this injustice. There was article that you have sued Pressler and Pressler LLP based on many consumer complaints against the law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am trying to get a home loan, my load originator helping us states I have a " Hard '' forclosure code on my credit report with Equifax because of a house we did a " Deed in Lieu '' with in XXXX XXXX. I contacted Equifax by phone and was told I have to put in a dispute and I did on XXXX XXXX XXXX. XXXX XXXX I got an email stating my dispute was resolved. I called Monday XX/XX/XXXX and was told my dispute was denied by the XXXX. That they state I still owe money. For one I disputed wrong reporting which was explained very clearly on my cover letter. I attached the Cash for keys XXXX and my taxes submitted to the Federal Government to pay my taxes on it. We also did have an Accountant do our taxes and submitted the correct paperwork with the federal government on this giving up the house to the bank. I was not foreclosed on and with that I should be free to buy a home right now vs waiting 7 years. The other person i bought my house with is not having these issues. His credit report is showing forclosure but according to our loan officer it is mine showing a " hard ''. I have lost faith that the Equifax will ever help me correctly in changing the code on my credit to a " Deed in lieu '' vs a foreclosure and would like you to help in this situation. I have all paperwork showing and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting a fraudulent account on my credit report. I submitted an identity theft report to Identitytheft.com and with the XXXX police department. I was a victim of identity theft. Equifax did not investigate the matter or respond to my inquiries. They continue to report this fraudulent account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi they will not up date my account with XXXX the account was paid in full no balance owed also they are putting fraudulent medical accounts on my credit I have full coverage medical insurance from XXXX Obama care no deductible or they are bringing old deleted accounts back as new and selling them to different companies please help me thank u

Company response to consumer: Closed with explanation