vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
U have a credit card r bank card that i dont have u also say i applied for car loan that is untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: CORELOGIC INC
State: NY

Complaint narrative:
I already sent CoreLogic Credco a legible copy of my passport and utility bill. 

They refuse to send a copy of my consumer report as requested.

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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Account referenced has been placed with a collection agency by XXXX XXXX XXXX multiple times in the past. after a past complaint the account was removed from my report. Now months later it has reappeared again ( XXXX XXXX ). Please see attached documentation from previous mistakes by XXXX XXXX After the last time the XXXX representative assured me and the representative from The CFPB ( on a conference call ) that this was not going to happen again. Yet again It has appeared on by credit report. How Many times does XXXX Get to play this game? 
This time " XXXX '' Is now the Collection agency XXXX. 
XXXX ( XXXX ) XXXX XXXX, MT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was denied credit by XXXX XXXX on XXXX/XXXX/15 and an apartment community last weeK. 

I went to Equifax today to get my report due to adverse action online, they said they ca n't give it to me because I do not have a paid service with them. They told me to go to Annual Credit Report.com to retrieve it. But, I said I am requesting because of adverse action. However, I did what they say and because of Equifax and too many requests they told me to make now I ca n't get it. I spoke to a fourth person at Equifax at XXXX at XXXX today and he said the only way I can get it today and right now is by purchasing it with him on the phone for {$10.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit reports that have been disputed with XXXX, Equifax, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1.XXXX County Magistrate- ( XXXX docket # 's XXXX ) 2. XXXX- XXXX 3.XXXX XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX- ( # 's XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- XXXX XXXX 10. XXXX XXXX XXXX XXXX # XXXX 11. XXXX XXXX XXXX ) XXXX- # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The website set up by the XXXX major credit agencies ( XXXX ) no longer provides any reports online. Equifax and XXXX directs the user to write for the free report and requires a long list of documents in order to fulfill the request. XXXX 's site just stalls for hours until user finally gives up. As soon as the session was over, Equifax sent me an email advertising their pay services. It is clear they are trying to circumvent the federal law requiring them to provide free credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened a XXXX store credit card in 2010. I actively used my card to make purchases, was a loyal customer, never had any late or missed payments on the account, the creditor was never included in any bankruptcy filing, never received any communication from any court or attorney in regard to any bankruptcy, and has no first-hand information whatsoever regarding any such filing. Yet, this creditor has coded my account for bankruptcy and is communicating this status to the credit bureaus. When I disputed the matter with Equifax, they performed a cursory, automated verification and told me that the item has been reported correctly. When I wrote to XXXX XXXX ( XXXX ), they told me that the credit bureau notified them of a bankruptcy filing, so they updated the account, and would not change it. I do n't find this explanation satisfactory. They should not be able to send the same information back and forth between Equifax and XXXX, both citing the other as the source of the information, and claiming the information from the other party validates the information. It 's a circular argument. I 'm asking that the creditor remove the comments pertaining to bankruptcy on my account, or delete the account altogether due to their failure to respond to my dispute with any information to back up their claim. Thank you for your assistance. I 've attached some of my correspondence pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TN

Complaint narrative:
I have contacted Seterus numerous times about them wrongfully adding an escrow account to my mortgage account, and adding hazard insurance when I actually had homeowners insurance. I faxed proof of insurance to them in XXXX 2015 and XXXX 2015. I spoke to an agent today, XXXX/XXXX/15, who informed me the number I faxed proof of insurance to was incorrect. I used the number provided in the letter saying " send your insurance information to '' the number I sent it to!! She says she does not know where that number came from, and I told her it was on the letter from SETERUS. I have paid multiple payments to satisfy their allegations of my account being delinquent ; however, they take my payments and put them in a suspense account instead. They say they are charging me for insurance, so my payment has increased from the original agreed amount, {$290.00}, to {$410.00}. This company is in the wrong, they are unethical, they are thieves! I am in complete disbelief at how Seterus is still operating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
For 2 years I was on the income based driven plan with navient, paying about XXXX a month. When I first started paying back my loans, they did not take into consideration my other private student loans ( approx XXXX dollars in other loans ). I called about 6 months ago to ask them about a question on my account, the representative told me to " consolidate my loans '' that I had with navient because I had a few loans with them. They completely failed to inform me that I would loose my 2 years that I already completed, towards the 10 I was working towards to get my loans forgiven because I work for a non profit. My initial question in the first place was what paper work do I need for getting my loans forgiven due to my non profit status. If the consumer is not under the income based repayment plan, you do n't qualify to get loans forgiven. I have since had to start completely over after finding this information out and change back over to the income based plan. I lost 2 years, approx. XXXX because of the advice this navient representative gave me. And they wo n't reconsider, even though I went back on an income based plan within 2-3 months after finding out after calling them about another question I had. I am a XXXX, I am drowning in student debt, and it 's insane that this company wo n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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 a negative item on my report that is being reported twice under a similar name. I sent a dispute on XXXX/XXXX/2015. I received a reply dated XXXX/XXXX/2015 stating that the item is " currently being reported as a single item '' however, a report run two days after the date of their letter shows it still being reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Unauthorized hard inquiry to my credit report by EQUIFAX MORTGAGE SERVICE on XXXX XXXX 2017. 
I did not apply for any mortgage loans and was out of the country at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc.
State: AL

Complaint narrative:
We are behind on our mortgage by XXXX payments and some late fees. My husband arranged for XXXX payment to be made from our checking account on a certain date ( following his next payday ). I have since received XXXX phone call requesting immediate payment of the entire amount owed and XXXX calls that I did not answer ( prior to the scheduled date ). Serterus has both of our cell phone numbers and it seems that, since my husband has arranged a payment, they are now calling me.

Company response to consumer: Closed
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against Equifax ; because Equifax has ignored my repeated requests 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 they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soon as possible. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed a hard inquiry from a XXXX XXXX XXXX XXXX on XX/XX/XXXX I disputed with Equifax on XX/XX/XXXX received response on XX/XX/XXXX from Equifax stating Inquires are factual. I am asking for signed proof for this inquiry as it is damaging my credit applying for home loan and have not received such document. I feel as if Equifax is not asking for documentation from said company proving this inquiry is in fact legitimate and from me. I have contacted XXXX XXXX but no response to having any documentation to back up inquiry. 
Please assist in correcting this problem. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed XXXX medical bills on my credit report. XXXX and experian investigated the accounts and the accounts were removed ( collection agencies could not verify accounts ). Equifax is still reporting the information incorrectly on my credit report. Equifax now reports XXXX of the accounts as paid and the third account as owing a balance. I explained the errors to Equifax and informed the rep that these same accounts were removed by transunion and experian. The Equifax rep stated that they can not remove the accounts for 7 years and that I needed to contact the collection agencies myself. After further discussion, the rep then offered to dispute the bill that showed a balance owed. I informed the rep that I disputed all three items on XXXX XXXX and I should not have to give the collection agency another 30 days. The rep repeated that they could not remove the items for 7years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Reported a dispute in regards to creditor XXXXLast year XX/XX/XXXX received updated corrected report showing zero balance. Recently received notification of charge off and pastdue balance. I disputed the account via mail with all supporting documentation. Including XXXX records title to vehicle, new owner information. On XX/XX/XXXX I called to inquire to why the investigation has been more that 30 days. 
I spoke with a rep named XXXX and he says that he would update the status to complete but failed to provide information on proof of outcome. 
I asked him to check the dispute history and he did verify the creditor XXXX XXXX updated the account to reflect vehicle being paid off last year. Now recently the account shows a charge off with past due balance of XXXX. which is not correct. 
I asked to speak to a supervisor with Equifax but rep XXXX stated his superior who 's name is XXXX said they ca n't update the account regardless of any documents I sent. But they ca n't furnish any documents to how they verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called XXXX, Equifax and XXXX in regards to XXXX the incorrect balance on my credit report and incorrect 1st Reported Delinquency, with incorrect account closing date. They will no longer investigate and dispute the information because I have already disputed the information previously. Although they have already updated the information it still display the amount owed of XXXX. Anyway I try to get the information updated they will not disclose the correct information regarding the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Equifax Credit Bureau three times. And I received investigation results letter by mail and Equifax still refused to deleted inaccurate off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My concerns are about the multiple entries for several collection accounts in my Equifax credit report. XXXX XXXX XXXX XXXX ( XXXX ) has ( XXXX ) entries for the same day from the same creditor XXXX/XXXX/XXXX, but different amounts. XXXX also has ( XXXX ) entries for the same day and same creditor on XXXX/XXXX/XXXX, but different amounts. XXXX lastly has ( XXXX ) entries on the same day for the same creditor on XXXX/XXXX/XXXX with different amounts. This makes my credit report appear to have more accounts ( XXXX additional ) in collection then it should. It is not possible to have multiple accounts for the same day from the same place. I would like these taken off my credit report. 

Also, I had trouble logging into my Equifax credit report on line, because the security questions did not pertain to me. I wonder if this could have anything to do with identity theft? I did send a copy of my drivers license, social security card and birth certificate on XXXX, XXXX to Equifax in my complaint letter to : Equifax Information Services LLC XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I did not authorize any of the hard inquiries on my credit report initiated XXXX/XXXX/2016

Company response to consumer: Closed with explanation