vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting XXXX tax liens ( public records ) that should be removed from my credit report. I have sent Equifax IRS forms XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Both XXXX and XXXX have removed the tax liens, as legally they were supposed to. I have spent numerous hours on the phone with Equifax, including filing both an online dispute and regular mail dispute - all with the outcomes that the tax liens on my credit report are valid. This is illegal and they need to remove these tax liens from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 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 have had REPEATED issues with EQUIFAX and seems to be a pattern of negligence or abusive intent. I submitted a dispute referring to my XXXX account that had a leading " - '' which was unnecessary or inaccurate and ambiguous, and in NO way did I phrase the validity or whether it should appear on my report. EVERY instance of EVERY dispute I have filed has NOT been adequately/sufficiently/properly/appropriatelyrelatively addressed. I demand accountability. I will be contacting every other govt agency and filing civil action to FINALLY hold this FOR PROFIT institution ACCOUNTABLE for their imprudent handling of consumer disputes for the sake of GREAT FINANCIAL GAINS TO THEMSELVES AND THE CREDITORS. I will also hold the CFPB accountable for ANY AND ALL actions that prevent or interfere with this objective, including the disabling of my account, which has been already done!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I received a mortgage modification from Seterus. After the first payment they reported it to the credit bureaus as current. XXXX XX/XX/XXXX 's payment ) Since that time they have not reported anything in regard to my payments. They are also reporting an incorrect balance that was not nor has been the balance in years. They had no problem reporting when it was late and now that it is current they have not reported. When I called I was first told it was coded incorrectly. Now I am being told that their is an internal accounting error. Yet again, with Seterus no one seems to have the same answer or resolves the problem. I need them to report my mortgage payments that are and have been current so that my credit score recovers. If they are unable to do so in the 30 day time frame as requested two weeks ago, under law they should remove the negatives and the incorrect balance as they are hurting my credit now for several months. This has also been disputed with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been and currently a XXXX customer. They have informed me that I do not owe the XXXX dollars that is on my credit report. I want it taken off my credit report unless someone can provide the necessary papers to show I owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting a closed collection account as an open status collection. The account was included in a Chapter XXXX Bankruptcy and the debt was discharged. This open account status is harming my credit score for having XXXX open collection. I religiously review my credit on credit karma.com. I have disputed the status XXXX or more times in the past 2 years, called Equifax and complained & contacted the creditor, XXXX XXXX. When I called Equifax , I was told to open a re-investigation, call the creditor, & that the included in bankruptcy & discharged status is a closed account status yet Equifax will not report it that way. I have received tons in credit denials because of this open collection that is not open. The problem lies with Equifax. They report all of my other collections or debts included in the bankruptcy as closed status accounts. They also are reporting accounts 7-10 years old. This account shows {$0.00} balance. The account status should report correctly as a closed collection account. The other credit bureaus report this account information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted through disputes, on several occasions to get Equifax to remove tax liens from my credit history. I have supplied them with actual notices and copies of recorded documents indicating lien withdrawal from the Federal IRS for the liens in question. The courthouses in question do not have a category for Tax Lien withdrawal, so they file them as " lien releases '' which is not an accurate categorization. Equifax has done only half of an investigation into this issue by looking only at the title of categorization listed online, rather than actually opening the documents and verifying them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I moved to a new apartment. In doing so, I noticed that my social security card missing. I reported the loss to Equifax via telephone. Pretty soon all XXXX credit reporting agencies confirmed receipt of the loss. This XXXX, I applied to a senior housing in XXXX. The application was denied. I did not give it importance. Then I applied for a car loan with XXXX because of their 0 % financing. It was then that I learned that there was a fraud alert on my credit. I had become a victim of my own credit alert. The XXXX reporting agencies never bothered to call me when there arose a credit inquiry on me. I have been prejudiced and was forced to take a 4 % financing on my car loan, instead of the 0 % financing. I am in jeopardy of using up my savings just to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I noticed that somebody most likely my Brother, XXXX has been trying or it may be possible that he has used my name!! Whom ever is using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have never been there in my life, my brother XXXX lives there, I was told that he also used my nephew XXXX 's name to make fraudulent charges in the past!! Whom ever has also been using the name, XXXX XXXX, my phone number is XXXX, cellphone, home XXXX XXXX, Thank you!! Please prosecute!!! XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed information on my report and am unable to validate this information because Equifax has not provided the correct address for these accounts on my credit report. Attached copy of my credit report shows the address they provided. Also attached is a copy of the letter I sent to this account attempting to validate this debt. The letter has been 'returned to sender ' so I am unable to confirm this account is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Address XXXX XXXX XXXX XXXX XXXX on my personal information I never lives at that address before and I would like to remove it from my information thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has the wrong date of first delinquency. I missed my first payment with XXXX in XX/XX/2008. This makes the account 7 years old and no longer reportable. I am attaching the account record from XXXX, and a report pulled from a mortgage company as proof of the correct date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have two accounts that have been readied after being deleted TWICE from credit report and I have attached proof. 
1. XXXX XXXX # XXXX, this account was deleted on XXXX XXXX, 2016. This is not my account. 
2. XXXX # XXXX, I have attached XXXX for that debt as well.

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 terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. 
I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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:
I obtained my online free annual reports from XXXX and XXXX on XX/XX/2017. Equifax failed to provide a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting that they are servicing a loan that is not serviced by them. This loan is was originally a loan with a lender that went bankrupt. It was claimed to have been transferred to Bank XXXX XXXX. However, the transfer document was fraudently signed by a robo signer and also fraudently signed and notarized by a robo signer. Eventually I filed a claim under the Federal Foreclosure fraud act and received compensation with follow on actions requiring correction of the actions and that the reporting and damage done to my credit be removed and corrected. Litigation efforts followed and the lender then attempted to avoid that situation by claiming to have transferred the loan to XXXX Bank and claiming they no longer serviced the loan. However, the XXXX System which records the servicer of loans showed Bank XXXX XXXX was the servicer and that XXXX Bank as the note holder serving as trustee. It also indicates that the XXXX is INACTIVE or discharged. Requests by Qualified Written Requests to XXXX and XXXX to provide the SERVICER transfer and agreement along with XXXX documentation reflecting the transfer of the loan to XXXX and to XXXX has been refused by XXXX servicers and not furnished. The request for the lenders to provide the XXXX audit trail of the transfer of the loan has been denied. In addition, the Qualified Written request sent to XXXX Bank resulted in a letter from them that states they are NOT the investor on the loan and have no interest in it and have referred me back to Bank XXXX XXXX. The loan is inactive. This item should be removed from my credit report immediately and I have requested it repeatedly.

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

Complaint narrative:
I 'm filing this complaint because Equifax XXXX and XXXX has ignored my request to provide me with the paperwork that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are require to promptly delete all info which ca n't be verified. Please resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus has been dragging out our 'deed in lieu ' proceedings for over a year, now ( XX/XX/XXXX-XX/XX/XXXX ). it is now XX/XX/XXXX. We were unable to keep up with our mortgage due to unscrupulous renters and our overwhelming medical bills. Seterus advised us that 'deed in lieu ' was the best option for us. But since then, they have repeatedly 'lost ' papers/docs and ask us to resubmit. Then, because of these suspicious or even manufactured delays, other docs expired and those had to be resubmitted. This, as far as I can remember, was all done by phone. I 'm not sure about there being a paper trail of this game. Now, Seterus has called and said they have lost the entire file and we must resubmit everything for them to be able to proceed. Please help us and stop Seterus from any more games or unscrupulous banking practices. I 'm sure they are violating some Federal guidelines or banking ethics or protocols. Please help. They have now bought an insurance policy on the rental and are billing us for it. This expiration of the policy we had on it was also due to their delays. 

XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Calif., XXXXe-mail : XXXXXXXXXXXX phone : XXXX : " Home '' below means the rental prop'ty not the home we live in. 
" Concerns '' over losing it means the manner in which we are losing it.

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 — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an unknown address with a 2007 bankruptcy that does not belongto me I have never lived in California and you have an address of XXXX XXXX, XXXX XXXX XXXX XXXX, California listed on my credit report. 
Could you please help me correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: TX

Complaint narrative:
XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report

Company public response: Company chooses not to provide a public response
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: MS

Complaint narrative:
I called the agency to follow up with my dispute, I was supposed to be transferred to an agent instead I was hung up on after being on hold for 10 minutes. I than called back and tried to resolve my issue the service agent said he could n't do anything they looked at the bill from the supposed place I received services. I said I disputed this with the other XXXX agencies and had no problems having it removed, because this never happened I did n't even live in the State at the time. I asked to speak to a manager. I spoke with a XXXX XXXX, he stated the same thing, he then called me a liar! I asked how I can prove this information and what he needed from me as I would be happy to send in what he needed. he stated that is for you to figure out, I said XXXX you are the agency what do you need from me. he said nothing, because we already have what we need. I said, but it is wrong and the other XXXX agencies know it 's wrong and this is affecting my credit. He then said here is an email address with no other information or what I needed to send in. He also threatened me by saying he is going to get the right information to the other XXXX agencies as I am a liar. I said sir these phone calls are recorded and he said he did n't care. They refuse to look into this as all they have is some supposed bill from the doctor 's office two years after supposed services took place at an address I had n't even lived at, at the time services were supposedly rendered. I spoke to the lady at the doctors office who admitted they never once called me about a bill nor did they mail me XXXX. EVER. I had a physical with them in 2010, I had insurance and paid a {$25.00} copay during the time of the visit. This bill was filed two years later and the amount is {$340.00}, I was not even living in the State at the time. Please, look into this matter. I am filing a formal complaint for the way I was treated by management as well. I am upstanding citizen with a good credit score according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted my original dispute to Equifax and XXXX and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but Equifax and XXXX did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. Date of delinquency has been over 4 years and should be removed according to Texas State law. The house is being reported as foreclosed and it has not been foreclosed and is in a 3 yr. pending litigation with the supreme court . I do want the home if the bank wants it I just want it deleted from my credit file because its being reported fraudulently. Also XXXX is being reported fraudulently as well. I provided my final divorce decree showing the debt belongs solely to my ex-spouse and the credit bureaus and XXXX refused to delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this complaint because Eqxuifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 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 for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

Company response to consumer: Closed with explanation