vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint against Equifax is the incorrect reporting XXXX, XXXX. XXXX XXXX/XXXX/XXXX {$11000.00} XXXX/XXXX/XXXX, I worked hard with XXXX late last year to insure they were reporting correct and I know they have, Equifax refuses to do what is correct 1st, they need to report ( XXXX ) balance per XXXX request 2nd the need to delete this from the report starting XX/XX/XXXX, By law they can no longer reported 7 years after the last activity, see enclosed info Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed these addresses online and I have not heard anything from Equifax at all. I have faxed in information over and over again. And still they refuse to delete these addresses that are not mine. I only have been at XXXX XXXX XXXX XXXX, XXXX GA XXXX. The other addresses need to be deleted ASAP. Never have been affiliated with them. My drivers license is attached XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Delete this Employment GA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
The mortgage servicing company has committed fraud and I am requesting an investigation to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX contines to list XXXX as late 30 days in XX/XX/XXXX. I have never paid this account late and XXXX is the only CRA reporting it as late, all others have either deleted the trade line or have it listed in a positive status. XX/XX/XXXX to XX/XX/XXXX is 7 years and the reporting period if I had paid late has expired and thus this account should be moved into a positive status on my report or the entire trade line deleted. I contacted XXXX back in XXXX requesting the update with no resolve. 

Additionally XXXX continues to also report XXXX on my account also a violation, the statute of limitations and the reporting period for this item has passed. The item was transferred to XXXX XXXX and then sold transferred to XXXX XXXX XXXX. This is a zombie debt and as such should be deleted. Due to Equifax not responding to my requests I reached out to the collection agency that the account was sold to and they have confirmed there is nothing owed and have deleted the account from my credit file as such the original creditor should do the same. The same instance has been for XXXX XXXX, this item was also a XXXX transferred to XXXX and then sold to XXXX XXXX which also states the item to be deleted as the statute of limitations and reporting period has ended as such the original creditor should be removed. 

I have tried mailing Equifax and also trying to dispute via their website and while I have a report number and key in all the relevant information their website will not allow me to dispute. I am unable to seek resolution through them. I implore CFPB to contact Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is on my XXXX report as an open acct, open date as XXXX XXXX, date of last payment XXXX XXXX with a balance of XXXX {$.00} i did dispute with both equifax and XXXX because it didnt match equifax report- and during the dispute XXXX removed my acct from equifax, then put it back on with different info. the first report that was removed had an open date of XXXX XXXX, and is listed as closed, when they reentered it onto my credit report on XXXX XXXX, it is listed as open, opened on XXXX XXXX, a balance of XXXX, ( i have made no payments ) and it says i missed XXXX payments ( i havent made any payment arrangements.they also have it listed as XXXX months on XXXX report.i feel something just isnt right, and i have received no correspondence from XXXX other than when my car was auctioned and i owed the amt of $ XXXX that was back in XX/XX/XXXX.

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

Complaint narrative:
There are certain items or accounts on my credit report that should not be there. Some of them are over 7 years old. Thank you for your time and consideration to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account below was just readied to my credit report for the third time. For some reason XXXX keeps adding accounts that have been deleted atleast once every two months. they have given me a XXXX for this debt. I have to prove again this should not be on credit report. And they continue to change the account number. 

Name : XXXX XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$19000.00} Past Due : {$19000.00} Acct Status : CHARGE-OFF Show Details They also have a lot of inquiries that I continue to dispute. I did not approve of companies getting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guardian Angel Mortgage
State: PA

Complaint narrative:
my morgage broker told me she knew the rules ... ... ... .she waited until two wks to closure to order the XXXX appraisal which she told me later would me min of XXXX wks ... ... this caused me to extend me lock rate and cose me an a dittional XXXX on ever extention ... ... .she neglectected to pay attention to the fact that the curren owner owned the property less than a year and increased the value more than double of which they purchased ... ... .she owns the company she handles ... ..she should have known it would take XXXX appraisls to close ... ... .she continued to try to extend the mortgage every day ... ... I should not be responsibile for extensions she caused either due to her lack of knowlege or due to her act of of god as she purposed to me ... ... ... .I paid XXXX % at closing due to her negligence ... ... ..is this what he government is standing by? 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have credit card from XXXX XXXX that was issued by XXXX XXXX bank. In XXXX XXXX, i got a call from XXXX XXXX that i was late on payment. I told them, i have n't received account statement via email for which i subscribed. I provided the document evidence and paid of the balance in full. XXXX XXXX account was reported as late payment on XXXX credit bureaus. I called XXXX XXXX and they promised to send the " Pays as agreed '' status to the XXXX credit bureaus. The status of XXXX XXXX account was updated to " Pays as Agreed '' on XXXX XXXX XXXX on all XXXX credit bureaus. XXXX and XXXX has removed XXXX XXXX from negative accounts. My credit score is being reported correctly. However, Equifax did n't remove XXXX XXXX account from negative accounts even though the status was updated to " Pays as Agreed ''. I filed a dispute with Equifax on XXXX/XXXX/XXXX to remove XXXX XXXX from negative accounts category. The online status shows as pending on the dispute as of XXXX/XXXX/XXXX. I called the Equifax consumer support. They were saying they ca n't remove the account from negative accounts. It is frustrating why Equifax is denying to remove the account from negative account list even when XXXX XXXX reported the corrected status of " Pays as Agreed '' on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed these inquiries with equifax multiple times they refuse to remove them without ever doing a real investigation. I actually called the companies on the inquiry list and they ca n't find my info anywhere yet equifax keeps reporting these fraudulent inquiries. They changed my social without my consent I had to send my correct social security number to get that corrected. I explained to them while the social was wrong is a result of all these inquiries being reported and I never applied to these places.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They are reporting a XXXX XXXX account on my Equifax report from 2010 which besides that it is already over seven time period there is no info whatsoever and reflects negetive on my report because of the way they are reporting it that payment status is uknown. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have sent several disputes to Equifax and they have gone ignored dates i sent disputes : XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response. To date they have not responded in any way. 

1. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 3. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
4. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. The status is incorrect for the following account ONLINE INFORMATION S Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

14. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Please know I greatly appreciate your assistance with this matter. 
This complaint is a follow up to my previous case you had been assisting me with, case # XXXX. After more then 3 years trying to obtain a resolution, I deem your assistance was key in getting the bank to move forward with our modification. In XX/XX/XXXX, they finally approved the trial loan modification.Therefore, I did not pursue it further or dispute the complaint, as I assumed it was resolved. I completed all the documents they requested and agreed to assume the loan. 
I started making my XXXX of XXXX trial payments in XX/XX/XXXX. They were supposed to complete my final modification in XX/XX/XXXX. In XXXX, they told me that the final loan modification documents had been issued incorrectly and had to be redone, on account it is also an assumption, which they knew from the onset! I have now made XXXX payments and still have not been provided the final documents. The last times I have called, I 've had to speak with customer service reps. that have no idea what 's going on. They just try to read the notes stated on the computer and even their interpretation has been evasive. They stated they would have the processor update the file and contact me, but that 's never happened. 
After persisting 2 days ago to determine whom should be the contact person handling my file, their processor XXXX XXXX, had customer service inform me XXXX XXXX and XXXX XXXX were handling the assumption. Nevertheless, they would not transfer my call to them. Instead they said they were emailing both, to advise them to contact me and update the file. This has not been done either. 
I am getting very concerned at this point. I have complied with all their requests and completed XXXX trial payments on a timely basis. I have already scheduled the XXXX payment for Monday, XXXX XXXX. There should be no reason for them to not finalize this modification. I 've had to spend over {$20000.00} in repairs to the home, due to storm damage their force placed insurance would not cover. I do not want to lose my home. 
I would greatly appreciate your assistance in getting this completed. 
You have all the information for the bank, Seterus. The details of what has transpired and all supporting documents are in your system under the XXXX # listed above. I did not find a way to respond to status there. For this reason, I 'm initiating a new complaint. If you need me to send everything again, please let me know? 
Thank you very much for your time and assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This would be the XXXX time that I have send out dispute letters to equifax with exact instruction to investigate my negative accounts and they have send back result telling me that they need more information about my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with Equifax and XXXX at the same time concerning a judgment that has been cancelled from my record in XX/XX/2015 and XXXX has removed it from my credit report in XX/XX/2015, Equifax had not and answered the dispute that the information was correct. On XXXX XXXX, 2015 I called Equifax concerning this and filed a dispute by phone and as of today the judgment is still on my Equifax credit report and I have n't received a letter or anything concerning this dispute which is been almost XXXX months. I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX XXXX XXXX Equifax XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have disputed and asked equifax credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and this credit bureau is refusing to provide validation. i need this fix asap. pls help me. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had a Chapter XXXX dismiss 7 years ago. I filed and had discharged 7 years ago. I understand the Chapter XXXX remains for 10 years but the Chapter XXXX is to be removed after seven years. It is hurting my credit that XXXX Bankruptcies are being reported within one year each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equfax reported, for years, an erroneously {$100000.00} tax lien which was satisfied years ago. They finally corrected that, but now their report also erroneously lists a debt of {$320.00} which is listed by XXXX. I requested, by certified mail ( with proof of receipt by XXXX ), of this XXXX year old puroported debt and they sent nothing. Yet Equifax refuses to either require XXXX to furnish the documentation or drop the claim. XXXX is sued for this type actions frequently and Equifax knows or should know that.

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

Complaint narrative:
My brothers account/ credit information is showing up or included on my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Previously I requested Equifax remove the fraud alert and file blocked for promotional purposes from my credit file. On XXXX XXXX Equifax sent me confirmation XXXX that this was removed. Since that date I have not asked Equifax to add the fraud alert or promotional blocking to my credit file again. Yet on XXXX XXXX, 2015 Equifax mails a letter saying they 've placed the alert on my file as requested. I DID NOT REQUEST THIS AGAIN. Equifax made this choice on their own without a signed request from me. This fraud alert is affecting my recent applications with XXXX for a car loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2016 I started my dispute with Equifax regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Equifax deleted XXXX records except for the bankruptcy and 1 tax lien. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I also discovered that 1 record they stated deleted, was back on my credit report as of XX/XX/2016. I then sent another letter on XX/XX/2016 to Equifax to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On my Equifax report the bankruptcy remains along with one tax lien and they placed back a tax lien that was removed ( referred to earlier ). I 've attached my letters to Equifax, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

Company response to consumer: Closed with explanation