vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX.Pa.XXXX Last XXXX digits Soc. Sec # XXXX.Birthdate - XX/XX/XXXX. 
I have contacted Equifax to get the Method of Verification regarding my dispute sent via certified mail multiple times via certified mail and Equifax has not provided me the information that I have requested per the FCRA. 
The bankruptcy is inaccurate and after sending the dispute Equifax has refused and asked me to contact the court. I called them and they advised they did not send Equifax any data or verify this information. 
I believe they are relying on third party information that is inaccurate, I asked them for the Method of Verification and they have refused. 
If no Method of Verification is received as I have requested then I will begin to pursue legal action due to Equifax continued willful non- compliance that has caused me harm .FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states * If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 6 ) ( 7 ) states a credit reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 DAYS after receiving a request from consumer for that description, Since Equifax has not provided me Method of Verification within the 15 day period required by the FCRA I want this inaccurate bankruptcy removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX I was a victim of identity theft. I have submitted police reports and affidavit aas required by Equifax. Their is a tax lien that I do n't recognize and accounts from XXXX that I never opened and were referenced in my affidavit that was mailed and received by them. They acknowledged receipt in XX/XX/XXXX of items received and even put a XXXX year security freeze on my report automatically. I checked my report last month and the items are showing again. Per law they have to notify me if they put the items back on which they did not. I disputed the items and referenced my affidavit and police report which thye have XXXX file and they refuse to block them. This is now damaging me credit wise. XXXX and XXXX both researched and blocked the items due to the ID theft.

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 — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft and reported it appropriately as suggested however the bureau only disputed XXXX to XXXX items and left the remaining fraudulent accounts and inquiries there which has been interfereing with my first time home buyer program and I am highly disatisfied with the service and dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX reports Pay 31-60 Days 2. Judgement by XXXX 3. XXXX Inquiry 4. XXXX Inquiry 5. XXXX Inquiry I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax lists XXXX of my wife 's credit card accounts on my credit report as missing a payment. This is a XXXX card beginning with XXXX. This is not my card. I was an authorized user on the account but the financial responsibility is 100 % my wife 's. The initial application for the card reiterated this. 

I filed a dispute with Equifax once I learned this missed payment was on my account. I told them this account was not my responsibility. I did the same with XXXX other credit bureaus, who promptly removed it. Equifax notified me 2 weeks after the dispute that they were still working on it. They never communicated with me again after that. I took it upon myself to check the status yesterday only to find it was closed and they determined the account was my responsibility. 

So my complaint to the CFPB is two-fold : Equifax deliberately did not notify me of the results of the investigation, no doubt because they refused to make the proper change. And the second complaint is that they are continuing to provide libelous information that I missed a payment on a card that I had no financial responsibility to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed collection in credit file. Collection was removed. Collection has now been reentered under different company with the original company still attached to reporting. Disputed collection and now states it is mine. In addition to 7 years since original account. Past the reporting act as well. Company in two violations of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1 ) EQUIFAX reports one of my previous addresses incorrectly : XXXX, NY XXXX The correct address is : XXXX, NY XXXX XXXX ) EQUIFAX & XXXX XXXX report incorrect Employer and previous Employer. My current Employment status is RETIRED and Previous position was Owner of XXXX 3 ) XXXX & XXXX report XXXX Collection Account. I had a Judgement due to a tax dispute with NY State where I failed to persuade NY State to agree with my arguments. The authorities filed a judgment with the XXXX County Clerk which I immediately paid and the judgment was satisfied. This is not a unpaid collection account. 

4 ) The number of ALL, REVOLVING ACCOUNTS & OTHER ACCOUNTS reported by the XXXX agencies differ from each other. 

I request that these errors are corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX years ago I submitted a request for Equifax to update my social security #. When I was purchasing a home I was told there where other # being reported with my name. I wrote a letter and sent proof of my social security and id. I never got a response. I figure maybe they did not receive it. I faxed them the same info. no response. I tried to dispute collections and there is no response. I tried to log online to do the dispute my self and I was given a message that my information did not match their records it asked me to fax what I faxed XXXX years ago. I also attempted to re fax it in 2015 again. I would like to buy a house and for XXXX years. I cant dispute inaccurate information that is hurting my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I was a victim of identity theft XX/XX/2014. I reported this to the credit monitoring service and they assisted me in placing an initial 90-day alert, and then an extended ( 7 year ) alert on my credit file. XXXX and XXXX placed the alert and included a consumer statement regarding the fraud. Equifax should have received the information and also implemented the fraud alert, but I later found out it was not implemented. I initially worked with a monitoring service to place the extended fraud alert, but Equifax only placed a 90-day alert. I became aware of this in XX/XX/XXXX when I received communication from Equifax. I contacted Equifax directly to place the extended alert, and provided them with the supporting information for the alert. Since then I 've received more requests for information, and when I provide the information I get another request. Some of the requests are for information I 've already provided. Talking with the Equifax staff is no help. It is a repeat of me providing information and nothing happening. 
I need for Equifax to implement the extended ( 7 year ) fraud alert with the consumer statement I 've requested. One reason is that there have been fraudulent attempts to get my credit file, so I need the protection from the potential fraud. XXXX and XXXX have handled this very efficiently, but Equifax has something seriously wrong in their process. At this point I 've received another request for information from Equifax that is for information I provided in XX/XX/XXXX. 
Any help you can provide in getting Equifax to meet the requirements of what they are required to do in cases of identity theft would be greatly appreciated. 
One additional thing to report. Equifax sent a letter by mail to my home but addressed to another individual that does not reside or have any ties to my address. I put the letter back in the mail without opening and marked it return to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On both my equifax and XXXX credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
last month XXXX collection trades appeared in my credit file that were deleted over a year ago because they were unable to verify the debt was actually mine. I went into the dispute section of equifax website last month to dispute these trades named XXXX and when I submitted my dispute it was if I never submitted it at all because my credit file still had the dispute botton instead of the normal this trade is under investigation you should have your results soon which tell me they are not willing to dispute these trades even tho they deleted them last year. These collections should not be there at all in my opinion. They were deleted because they either did not respond in time or just could not verify their investigation from the original creditor. What is the point of having a XXXX day time limit if they let these companies just do as they please anyway and the consumer has no say in this matter at all. There was no notice saying these trades were being reinstated or nothing. I want these items removed permanently and equifax should at least be warned of this and to not to do this again to another consumer. We have the right to challenge anything that is on our credit report that appears to be inaccurate and they are not allowing us to do that. they claim to investigate it but im sorry it takes more then just one day to complete an investigation

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: TN

Complaint narrative:
There are inquiries on my credit report that were not authorized, there are serveral insurance companies that checked my credit when I only gave permission forfor XXXX company to check. and also there is a place called XXXX on the inquiries that I have not given permission to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
submitted requested information to Equifax XXXX XXXX XXXX and response was to ask for the same information again. tried phone calls to no avail ( automated systems, no humans ) and the web sight led me to believe someone has used my identity for a home mortgage and credit card. i 'm a veteran using VA healthcare and collecting social security with total income below the poverty line and was born and raised in the state i currently live in. i do n't know what else to do or who to talk to so this can be straightened out. i 've just received my HUD-VASH section 8 housing voucher and do n't want this to prevent me from getting my own apartment, i only have a limited time to find one. thank you

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:
I contacted Equifax XX/XX/XXXX to dispute a false account information on my credit report with them. They did n't remove the information even though the proof I submitted reflected a credit/check for the balance on my account. The only account valid is starting with XXXX which was opened XX/XX/XXXX. How can I have XXXX accounts open at the same time for XXXX address? I only had FIOS internet and home phone service. I never had a cellphone plan or any other services with the company. I do n't believe Equifax is recognizing Identity Theft and wo n't state why they wo n't remove this incorrect information on my credit report. It is not valid at all and documents attach shows I do n't owe XXXX any money and my balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reached out to dispute information on my credit report that was entirely incorrect and hurtful to my score. Company informed me that they reviewed the dispute, but the information is still present on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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 provided a police report and hospital documents that have proven I was in the hospital and that my credit was stolen, someone has my drivers lisc and social security number and using it inquiring credit and lots of stuff on my credit is not mine. I have no choice but to file a law suit against all XXXX credit companies. I need your help there hurting mt credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Ingo Money, Inc.
State: PA

Complaint narrative:
Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Goshen Mortgage LLC
State: NJ

Complaint narrative:
We put our house up for short sale, it has been up for sometime. We received a solid offer based the comps in the area. Investors want an offer of {$120000.00}, which is unrealistic. When I asked if the comps were reviewed I was told not really. They refuse to stop the sheriff sale

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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: Focus Holding Company
State: TX

Complaint narrative:
Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.

Company response to consumer: Closed
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
Money was to be paid by my XXXX Insurance Company

Company response to consumer: Closed with explanation