vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax originally reported a judgment in XXXX, the statute for reporting expired in XXXX. The original creditor filed a replevin to extend the statue of limitation for collection. The XXXX XXXX Courthouse information is automated and it is stored in there database. Equifax apparently has a system which automatically retrieves this data ; however, this date was for collection only and the information itself is a replication of information reported between XXXX and XXXX ( the statute for reporting has expired ). I notified Equifax and resolve no resolution. I filed a complaint with the XXXX ( XXXX ), still they refused to comply. I requested my attorney to send a kind letter requesting them to comply prior to my need to file a formal law suit in which I will be seeking damages as a result of being turned down for credit. I spoke with XXXX in the Consumer Affairs Department at Equifax on XXXX XXXX. He assured the matter would be taken care of by Tuesday XXXX XXXX. I followed up today, with a person who alleged that his name was XXXX. XXXX stated that there was no supervisor beyond him to speak with and that his department did not have the ability to remove the entry. He went on to say that XXXX had initiated a dispute ( which I informed XXXX not to do as this had been done with no results ). When I asked who I should I contact with authority. He lied and stated that no one else had authority. After I called him on his contradicting information. He stated he could not tell me who had authority. This is insane. If you have had 4 other complaints, I would like to get in contact with those individuals and initiate a Class-Action lawsuit. I hate to have to do that ; however, the company has hired employees who think they can tell consumers anything and that we will go away. I will not go away. Please investigate this company and assist with resolution if at all possible. Thank you kindly. Email : XXXX

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

Complaint narrative:
Dear CFPB, I have communicated with you before on another similar matter and had a very informative discussion with XXXX of your advisors. The complaint this time is specifically against Equifax which is something I do not enjoy doing. More than 45 days ago I sent original copies from my XXXX and XXXX credit reports to Equifax about a XXXX Bank account which does not belong on my credit report and was removed by the other credit agencies after a very detailed investigation. However, Equifax has not acted on this and also has not responded to my letters and information which specifically requested a timely response under the FCRA due to implications for my job applications requiring top secret clearance. My feeling is they are severly under staffed but in the end they must comply with FCRA investigation timelines and actually process the consumer complaint. They have not sent me a free complete copy of the Equifax file with updated information as I had also requested in my letter do to identity theft issues which they have already know about for 7 months. I have recently spent a fortune on signing up with XXXX different credit monitoring agencies in order to be able to pull full reports from all three bureaus at 7 day intervals due to the importance of this. This is driving me crazy since I have done everything legally required with no professional response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax sent me a letter saying I need to provide driver 's license information, SS stub, copy of social security card, utility bill with current address. 

Most importantly they have my the middle initial of my name wrong on the letter to me. When I submitted the form for free credit report my application information was all correct including my name which Equifax got wrong. 

I am not submitting additional information to Equifax since they did not record my name correctly using the wrong middle initial. Besides, both XXXX and XXXX did not request additional information to receive a credit report which is useless to me because it did not contain information about my credit but included information on a credit card provided to me as a courtesy from a family member which I rarely use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of Identity Theft. I have items on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent in a multiple inquiry letter more then once to Equifax trying to get these unauthorized inquiries off my credit report because they are unable to verify the inquiries and I have contacted the creditors to make them aware they are fraudulent and they referred me back to the credit bureau and I am tired of getting the run around and just would like them removed off my credit report. I am trying to buy my first home and all these inquiries do not look good with the lender XXXX

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

Complaint narrative:
filed online dispute and unable to access credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.

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

Complaint narrative:
While attempting to refinance my home mortgage in XX/XX/XXXX and XX/XX/XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX I c/o XXXX XXXX XXXX. Amount of {$390.00} had been sent to collections in XX/XX/XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other alias 's for that matter. Furthermore I have never lived in LA nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX and the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my XXXX Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report XX/XX/XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, Equifax/FICO and XXXX/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that Equifax and XXXX would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have XXXX and Equifax delete the collections information and remove the name of XXXX XXXX from my credit reports. Also Equifax and XXXX have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, XXXX since XX/XX/XXXX and no other city or state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
My home loan was transferred in the XXXX to Seterus Inc . I paid an amount of {$670.00} monthly for my mortgage. Without any prior notification or proper explanation my payments increased to {$1100.00} in the XXXX. They then sent me a notice claiming I owed an excess of {$6000.00} on my escrow account. I have been disputing their claims since XXXX of XXXX. I 've called them repeatedly since that time. A customer service person eventually told me it was a combination of flood insurance for XXXX and XXXX, that was the reason my escrow was negative. I do not nor have I ever acquired flood insurance through my lender. When I was informed of this I sent my flood declarations for XXXX & XXXX. During this time I did pay my mortgage with the excessive fees. They did credit my account back for {$3100.00}, however they did n't refund the money owed from the payment I did make with the excess fees. My mortgage payment then became {$710.00}, I still have no idea why it is n't {$670.00} that I previously paid. During the month of XXXX without any explanation they increased my mortgage to {$780.00} and now it 's at {$840.00}. When I called on XXXX XXXX and inquired about the increases, their customer service person stated that I still owed for an escrow balance from XXXX. I then informed him, that I did not owe and I had sent in my proper documentation to confirm this. Upon further research he stated that, I did not owe Seterus because I pay my flood insurance and home insurance myself not through the lender ; and my payments should be reduced to {$710.00}. The reduction in my payments still have not taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am forced to complain once again about Equifax 's unacceptable result of investigations of my previous complaints in XXXX and XXXX. Judgmengt still on my record, only as " satisfied ''. It is not correct as it was REVERSED and as such rendered void. Furthermore, initial XXXX 2014 judgment with with case ID # XXXX was dismissed. XXXX and XXXX deleted this record while only Equifax still reports it as satisfied/released. I demand that Equifax immediately removes this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
items continue to be inaccurate, have not received any proof of an investigation after continually requesting how items were verified as being correct. accounts are violation the laws of my bankruptcy and they refuse to delete or fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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 applied for a payday loan at XXXX XXXX loan company. The representative was fraudulent and told me I was not approved and kept the money plus turned me over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On multiple occasions I have disputed information with Equifax and recently I have put in writing as I have on multiple occasions asking to be provided with whatever documentation they are receiving from the creditor that is verifying the information and during my last call with them acknowledge receiving such information but said they do n't have to comply in so many words I 've requested many things of them in writing and each and everytime they say they do n't have to provide it to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I originally filed a complaint that tax lien XXXX was being reported on my credit report even though the State of Alabama withdrew the lien. Equifax did in fact remove the lien and I assumed this would not longer show up on my credit report. 
Recently I was denied a loan because of a tax lien on my credit report. When I viewed my credit report, lo and behold there it was. Tax lien number XXXX. 
Both the lender and I spoke with the Probate Judge and inquired about the lien. She told us that XXXX is referencing a XXXX as paid. She said she did n't understand why Equifax is reporting this. She said XXXX was withdrawn therefore Equifax should not be referencing this. The Probate Judge has never seen this before and the letter, which I have attached, clearly states the State of Alabama has withdrawn the tax lien. 
XXXX should be removed and follow the order of the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I fell behind XXXX payment XX/XX/XXXX, I applied for a home mod XX/XX/XXXX With XXXX XXXX XXXX XXXX XXXX XXXX sold the loan after we applied. We had to reapply again. XX/XX/XXXX the home mod was agreed upon. Then it was overturn by XXXX XXXX. I continue making my payments. My payment was rejected XX/XX/XXXX saying I had an escrow account. They told me I needed to pay XXXX. They would bring the account current. I sent the payment. I called to see why the account still had a problem they needed additional payment of XXXX. They miss applied the payment and increase the monthly payment. 
I called trying to clear up the account each month it became more and more. So I paid an additional {$1000.00} for six months. I sent correspondence explaining that the property taxes they were collecting was incorrect. I was not able to get anyone to help me. XX/XX/XXXX I sent proof to their department call XXXX and cc the letter to Escrow. 
XX/XX/XXXX I received a letter XX/XX/XXXX. Escrow had a shortage of XXXX and my payment was XXXX. 
I received another letter XX/XX/XXXX escrow bal. of XXXX. I received the 3rd letter XX/XX/XXXX. My XX/XX/XXXX payment is now XXXX I am exhausted, I cant get Seterus to correct this problem. I need some help. 
XXXX XXXX. 
XXXX.. 

Please if you can help me I really do not want to go another year of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My student loan payment for Navient is {$550.00} a month. I only make {$34000.00} a year right out of college and I have other bills to pay. My cosigners have no involvement in the repayment of my student loans. I called Navient to find out if I was able to have my payments decreased because I can not keep up with the payments, and they did not help me and told me I do not qualify for a lower payment. They also asked me why my payment was late and that I need to pay it as soon as I can, but with the bills I pay each month and how little I get paid, I barely have enough food to eat. I have tried consolidation loans and keep getting denied because my loan payment is late. I only have my XXXX, therefore I do not understand why my payment prices are as if I went to XXXX School. Please help me and explain to me my options because I am drowning in these payments and barely getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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 am disputing the final response of disputes on my credit report. All my student loans have been discharged by the Dept. of Education, XXXX and XXXX XXXX XXXX. I have also been a victim of unfair medicare billing that I asked to be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is being used for a judgement that dose not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is an on going problem. I have been submitting complaints for the last month. Here is the evidence of wrong doing by Equifax, they have placed some type of mortgage on my credit. There is no information provided pertaining to this mortgage that does not exist. Someone from Equifax placed this mess on my credit report to ruin my credit. I have requested the information for this mortgage. The mortgage, company, name address, phone number and amount. They can not provide this information due to a mortgage does not exist. It never has. Take all of this mess off of my credit today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Judgement against me, which was filed illegally due to bankruptcy laws, keeps appearing on my credit report. When I try to initiate a dispute online, they tell me my public info does n't match. Not able to reach a person via telephone, they want me to mail documents proving who I am. Other credit reporting company received my dispute online with no problem, and resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I filed an identity theft report, and when I tried to get my credit reports, they said that they were unable to process it at that time. The security questions they asked did not relate to me at all that I am aware of.

Company response to consumer: Closed with explanation