vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2007, I was a victim of identity theft. As a result, the IRS and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Equifax. After several years of disputing the debt with the XXXX, and with the help of the XXXX Advocacy group, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Equifax has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Equifax to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Equifax does n't want to do it. I finally called the XXXX Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Equifax to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been persistent in stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. FCRA states that I have a right to KNOW who is the party that has provided this negative information. It is my understanding that this is against FCRA, FCBA and the Public Record Act. The Bankruptcy Court has confirmed that they did not verify as it was stated by the agency. The credit agencies have stated I can no longer challenge this negative entry which is against Consumer Debt Law. This discrepancy has prevented me in my personal life 's pursuit and I am asking the CFPB please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working for the last week to temporarily lift a feeze on my equifax credit report. I called in, and they informed me that I have fax them proof of my current address in the form of a copy of my driver 's license and a bank statement. I faxed them this information twice, and received successful transmission confirmations both times. Yet when I call in, they tell me that they have not received the documents. So it would appear that they are losing my personal information. They are giving me no options to release the freeze over the phone, they only say that I must either fax the information or mail it. I am hesitant to do this, as I am afraid that they will just lose it again. I find it to be absolutely ridiculous that I am unable to release a freeze on my own credit score, and that equifax has misplaced secure documents that I was asked to provide to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My husband and I purchased a property in FL, using a XXXX XXXX, which was turned over to Seterus , Inc. to service the loan. They have wrongly charged us an {$85.00} fee for an appraisal for a loan modification, which we have never requested. I only contacted them because we had paid the homeowner 's insurance and they had also paid it through escrow. We 've never, ever been late on our payments. This has been going on since XX/XX/XXXX and the fee has n't been removed, even after several phone calls and fax correspondence! We are worried it 's going to harm our credit if we do n't pay it and wonder how many other customers have gotten this same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX debt is over 7 years old. The debt is paid off as it was consolidated. There has been no data reported since 2012. I have repeatedly informed the credit bureaus of this and it should no longer be showing on my credit report and I wish for it to be removed. They refuse to remove it.

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: TX

Complaint narrative:
I applied for a loan with XXXX Bank on XXXX/XXXX/2016 and was denied. They showed that I applied twice for a loan on XXXX XXXX, 2016 and XXXX XXXX, 2016 which I did not do. Why would I apply again if they denied me the loan in XXXX. I sent a letter to both Equifax and XXXX Bank and let them know that someone else applied for this loan which is itentity theft and wanted them to take off XXXX of the Hard Inquiries of XXXX Bank from my Credit Report. They have not done anything and I sent another letter for them to send me proof that I applied twice more for a loan that was denied. I have always had a good or excellent credit report and now Equifax has my credit rating as fine. I have had someone charge something on my credit card which I did not do and so I had to have the card cancelled and get a new credit card. The XXXX took off that charge from my credit card which I appreciated because they know that I was honest about it. Now I have a alert on my Credit Report for 90 days. I would like for this to be corrected ASAP.

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

Complaint narrative:
I received a release of IRS and Minnesota Revenue tax debt by filling out innocent spouse forms and this debt was from my ex husbands business in which I just signed the tax returns at the end of the year. His business was never in my name. I believe the tax debts that were released from me should not be on my credit report at all being that it was never my debt and the IRS and Minnesota Revenue released me from these debts.

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: ID

Complaint narrative:
I have been trying to dispute a report. My tax liens have been removed as of XXXX XXXX,2015. I have a letter from the IRS notifying me that they were released. However they continue to be reported on my credit report. Each time I look up how to dispute a report I am taken to blogs about credit/collections advise. I only want this taken off my report. I am trying to buy a house. please take these off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My name is XXXX XXXX I have had an ongoing dispute with equifax for a judgement on my credit report case # XXXX that does not belong to me. I have provided certified documentation from circuit court of the state of Oregon for the county of XXXX proving this case number belongs to some one else ( XXXX XXXX ). However upon multiple contacts with supervisors at equifax they are refusing to remove this item from my report, they are advising me that they have investigated and that this case number belongs to me. They also advised me to contact the court as they have made this error. I have done this several times and the court has advised the case number in question in fact does not belong to me and equifax should remove it from my credit report. I sent the same documentation to XXXX and XXXX both removed the judgement without question. Today I again spoke with the court clerk and they referred me to you for assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( " XXXX '' ) dispute ( not default ) Received letter dated XXXX XXXX 2011 stating all XXXX lease payments paid for term of lease matured. However, the XXXX online system indicated XXXX payments due. Substantial correspondence file in this regard including a number of letters to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax deliberately negligently rubber stamped previous complaints against XXXX XXXX without investigating the facts. XXXX XXXX who was also complained to regarding the same situation came back and indeed confirmed that they were wrong on one of the 2 payments. They also negligently again indicated that another payment which was received on the XXXX of the month they would not correct and incorrectly changed the due date of the payment. The third payment that was contested was received on the date they had on their bill the XXXX due date. From the letter received from XXXX XXXX it was stated on the letter dated XXXX XXXX XXXX that they would notify the Credit bureaus promptly about fixing the misreported payment of XX/XX/XXXX As of this date XX/XX/XXXX Equifax has not corrected their credit report. which leads to the conclusion that either XXXX XXXX is not telling the truth or Equifax is not responding appropriately. This was not the first time Equifax was alerted or contested that their credit report was wrong rather it is more than 5 times including this complaint. XXXX XXXX was written as well requesting copies of the letters or reporting to Equifax and the other credit bureaus as well as contesting the appropriate due date. Both Equifax and XXXX XXXX should get their act together and do their job of reporting accurately. XXXX letters of the response from XXXX XXXX and the letter contesting their response is attached. The original statements and proof were attached in the previous complaint. I also alerted XXXX agencies that since my wife XXXX XXXX is jointly on this mortgage XXXX equity credit loan XXXX that they should have fixed hers as well. Once again as of this date XX/XX/XXXX it is not corrected..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance
State: HI

Complaint narrative:
I am not being supplied an accurate account of my payment history. My online account is not reflecting any of the payments I have made in the last 30 days, which amounts to approximately {$1900.00}. I have called SNAAC to request my payment history be emailed to me, as they have done in the past, I get told that it will be sent to me, but I receive nothing ( which I find very unusual ). 
My Auto financing lender ( SNAAC ) stated that I owe a certain amount of money to complete the balance owed on my vehicle, however, when I have requested clarity in form of a written statement, stating the exact balance, they have failed to effectively communicate the Facts, but instead have continued to ask for money. 
I do n't trust that I 'm being given correct information, and I fear that I might be asked to pay More than what I am actually financially responsible for. 
I appreciate your assistance in looking into, and your help in resolving, this matter. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax requests unnecessary information to delete an invalid address ( address must have been entered incorrectly years ago and added to my report ). Equifax can check with the town and US post office to verify the non-existence of the address. Sending in my license, utility bill, etc. that only shows my current address is irrelevant. TransUniion does not require the information to process my request to remove the invalid address associated with my account - why does Equifax? Deleting an old address should be instant. Especially in cases where the address is invalid or necessary for the protection of the person ( s ) requesting the deletion. No proof beyond what is required to view one 's credit report should be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit report has information not belonging to me. And there is another SSN that is not mine. I have pulled the report with all XXXX agencies and they show items from XX/XX/XXXX. I am press for time in getting this repeatedly removed. There is XXXX in this process and ID theft during XX/XX/XXXX. I place a watch with several companies and no resolutions in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: MN

Complaint narrative:
Credit history request- never authorized, company not recognized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverview Law Office, PLLC
State: MN

Complaint narrative:
I received a collection notice from Riverview Law Office stating that I was overpaid by my former employer ( XXXX XXXX XXXX ) by {$13000.00}. I am unsure if this is a lawyer representing XXXX or if they are a collection agency that XXXX sold this misinformation to. 

Reading their letters, it seems they are being intentional about trying to blur if they are a lawyer representing XXXX or a collection agency. 

To gain clarity on who and what I was dealing with, I sent them a certified letter disputing the alleged debt, asking for proof of this alleged debt, and verify that they were licensed to collect debt since I could n't find them online. 

I attached the letter but here is what I asked for- -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a copy of judgment stating I am responsible for this amount ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

Riverview Law Office sent a letter the next day with an Excel spreadsheet I could barly read that only listed XXXX claiming overpayment of {$13000.00} and no actual information on how the amount was calculated or what pay periods were that I was overpaid. Riverview Law Office, PLLC did not include any information on them being licensed to collect in MN and no license number. 

Both letters they have sent warn me to get an attorney. 

There is no documentation or order stating I do owe XXXX {$13000.00}. 

They also did not provide the requested license information so for all I know, they are not collecting for fairview and this is all a sham.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, 2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, 2014. Please refer to the XXXX dispute results, dated XXXX XXXX, 2014. However, XXXX XXXX reinserted the previously deleted information through XXXX XXXX XXXX XXXX, XXXX in XXXX, 2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, 2014. This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. XXXX XXXX XXXX XXXX XXXX has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having XXXX XXXX XXXX XXXX XXXX reinsert the negative credit item under my name. XXXX XXXX XXXX XXXX XXXX is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.

Company response to consumer: Closed with explanation