vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-28 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:
Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification, '' for items not being reported legally on my credit report to Equifax , XXXX. XXXX XXXX, XXXX, GA XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16. Equifax only responded on XXXX/XXXX/2016 with my initial request for a copy of my credit report on XXXX/XXXX/16. 
Equifax has failed to respond to within 5 business days of my XXXX requests for the results of their investigation nor has Equifax provided me with any additional updates on my requests for their Method of Verification. 
I was diligent in documenting these events, including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts, my unanswered letters to Equifax. 
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Debt collection agency, XXXX sent out an order for the deletion of a collection account on my credit file to the XXXX credit bureaus ( Equifax and XXXX ) it was listed on. 5 days afterwards XXXX, deleted the item as requested by XXXX. Equifax on the other refused to yield to the request. XXXX issued XXXX AUDs on XXXX different occasions reiterating its decision to remove the derogatory item from my credit file. Equifax still did not yield. The latest credit report I just obtained has the credit file updated with collection item still listed. 
I made numerous phone calls to no avail. I was told to file a dispute by one of the Equifax representative which I did by mail with return receipt, to which Equifax sent an acknowledgement letter of receipt. But the outcome was to keep the item on my credit report against the advice of XXXX the company that put it on there in the first place. 
Attached is the correspondence between myself and XXXX XXXX, a senior compliance analyst at XXXX. 
As clearly stated, they have resolved to have the item removed. XXXX which is governed by the same rule of credit reporting has initiated the deletion, what excuse does Equifax has to blatantly refuse to comply? 

This has been ongoing for 2 months and Equifax has made my life miserable, I 'm unable to qualify for a mortgage that I so desire because of this. I have suffered XXXX also because of this. 

Please, please and please Equifax, delete this item from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Bank is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in thier approved debt management program, they continue to charge late fees and monthly annual fees. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XX/XX/2017 and XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is allowing XXXX XXXX to illegally report a re-aged charged off account on my credit report. I disputed this information with Equifax credit bureau and they informed me that XXXX XXXX verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
For my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the flood insurance is covered by the HOA fees I pay monthly. In XXXX 2014, Seterus Mortgage Company bought my mortgage from XXXX. Seterus purchased additional flood insurance for my property even though the property is covered under my HOA dues. Despite numerous of complaints in the form of calls and letters to their customer service, Seterus continues to charge me for this extra and unnecessary flood insurance, taking part of my mortgage payment, applying it to the escrow, and claiming I am short on my mortgage payment, thus negatively affecting my credit and payment history. I have provided Seterus with ample documentation to prove the policy from HOA fully covers the liability required for the property. Thank you in advance for your support. Please reach out if you have any follow up questions. Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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:
The reporting agency is asking me if I have a home loan mortgage and I do n't ... but its possible that someone stole my identity and has a mortgage. I need to see the report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
hard credit inquiries that i did n't submit XXXX XXXX BANK XXXXXX/XX/XXXX XXXX, XXXX XXXX BANK XXXX XXXX, 2015 XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Clothing Stores XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXXPersonal Loans Cos. 
XXXX XXXX IXX/XX/XXXX XXXX, XX/XX/XXXXMiscellaneousTelephone Companies XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX, XXXXMail Order Firms XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, 2016 I got an alert on my credit from a company called XXXX XXXX XXXX. stating I owed them {$110.00} for medical service. I sent the company a very detailed letter requesting validation on this account. I asked XXXX XXXX XXXX. to provide me with : 1. what the money they say I owe was for 2. explain and show me how they calculated what they say I owe 3. copies of anything i signed saying I agreed to pay them 4. Identify the original creditor 5. show me that they are licensed to collect in my state of PA 6. To also provide me with their license number and a registered agent. 
As of Today XXXX XXXX 2016 this company has failed to contact me. I notified Equifax on XXXX XXXX 2016 in writting that this was not my account. they did not remove it I notified Equifax again in writting XXXX XXXX, 2016 when the company did not send me any information I asked for after 30 days of the first letter I sent them. I sent Equifax copies of my reciepts and certified mail return receipts to see that I did indeed send these letters to this company. Equifax still refuse to remove this item off my credit. XXXX XXXX XXXX has wrongfuly placed an acccount on my credit report that is not true and does not belong to me. If needed I can mail you guys the copies of the letter and receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Incorrect name and a address that I have never lived at, not even lived in that town.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have several inquires on my credit report that I did n't authorize. I did n't apply for credit or do any business with these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report passed the 7 years statue of limitations in California ... some of the items are 14 yrs old ... why?? these items shouldve been deleted years ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX CA. XXXX XX/XX/XXXX 1. XXXX IN XXXX 2. XXXX MI XXXX 3. XXXX PA XXXX 4. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to zero balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX XXXX EQUIFAX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) EQUIFAX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have attempted to report errors on my equifax report but can get no response from them, There is an incorrect name, address and previous work in my credit report, please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have incorrect information being reported on my credit report from all XXXX credit reporting agencies there are XXXX liens from XXXX XXXX that were placed on my credit reports from Equifax, XXXX and XXXX XXXX that states the liens are there but, the liens have been dismissed so, why are they still reporting them? I want them removed because they have a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to court seven years ago XXXX I did with a gentleman I paid him the XXXX dollars the judge ordered me to and now it is showing on my credit for the full XXXX rather than the XXXX $ the judge ordered me to pay and it is showing like it is a bill or judgement against me which is preventing me from getting a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I attempted to have XXXX as a internet provider. They tried several times to provide me with the service but could n't and had to remove the equipment from my home. They agreed there would be no charge but then I received a bill. I contacted them numerous times and they assured me I owed nothing and that they would take care of removing the charge. Now they have reported it as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Equifax tracking # XXXX Customer Reference : XXXX Equifax sent a credit report for my XXXX listing XXXX judgments and over XXXX liens, all of which pertain to other companies, not mine. 

-- XXXX XXXX has only ever operated in the State of California, with all our clients also located in the State of California. Most of the companies listed in the report are from other states. 

-- My business has never missed or been late with a credit card or any other loan payment. 

-- My business has never had a judgment against it, nor has there ever been a legal claim filed against it. 

-- There are not now, nor have there ever been any liens against my business.. 

Therefore, the listing of companies that have nothing to do with myself or my business, is erroneous and the result of either fraudulent claims by other parties or negligence on the part of reporting agencies who failed to cross-check names, TIN numbers, and/or addresses. 

These errors have adversely affected my credit report, resulting in the loss of credit from at least one lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: HI

Complaint narrative:
Seterus Inc. is continuing their harassment. I have already filed a complaint case # XXXX which was resolved but in their response to you they were completely misleading and just plain lied. What they did while they had the money they wrongfully had taken out is do a financial report and said there was not enough money in escrow and charged me more money to make up the gap. I demanded a new report be done now that you guys made them give the money back and have heard nothing since. Now they have changed the name XXXX the policy and say they can not talk to me because I do not have authorization for this account. I am and have always been the executor trustee for this account. I have all documents and so do they. If you need to see them please let me know where to send them. I have stated I do not want to do business with this company but have been forced to do so. This is wrong. I ask again how do I stop this? I am losing a lot of time and money dealing with this awful company. They must put me back as the authorized person to talk to and explain with documented proof of what they say made them change it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Mortgage Services ( EMS ) made a hard inquiry on my credit report with Equifax , XXXX and XXXX. 
I did not authorized anyone employed by Equifax Mortgage Services to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation