vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
This was an economic hardship issue that started in XXXX and finalized in XXXX with a short sale. 
I called XXXX & Equifax and let them know that it is still showing up on my report even though I was told it would only remain for two years by the lender XXXX XXXX. It has now been five years and it is continuing to hurt my credit and ability to gain employment. This must stop, I should not be subjected to this punishment any longer. I, like many was a product of the destructive lending practices and economic down turn created in large by the lending institutions / XXXX XXXX etc, with no punishment for them. So why continue to hurt me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX 2014 someone attempted to obtain a credit card in my name with XXXX Credit. I discovered it on my credit report and contacted XXXX Credit. They did an investigation and determined it was fraud. They followed up with timely correspondence and notified XXXX credit bureaus and instructed them to remove the item from the Hard inquiry portion of my credit report. XXXX removed the item almost immediately..Equifax has not XXXX XXXX fraud department has now notified Equifax XXXX different times. I have written XXXX letters filed XXXX online disputes and spent many hours on the phone with Equifax. Initially Equifax claimed they could not verify my identity ... they requested my birth certificate my drivers license my marriage certificate XXXX utility bills and my XXXX be sent to them. I was reticent to send such documentation but went ahead and sent it. I received another letter in response from Equifax telling me to resend the documents which I did not do ... I called Equifax and they said they had the documentation ... Yesterday I received yet another letter from Equifax again asking for the documents that they already verified they had. With my corresponce to Equifax I also included copies of all the corresponce to me from XXXX verifying that the item was indeed fraud. Equifax told me they do have that correspondence from me but that it is worthless because it must come from XXXX direct ... I advised them XXXX fraud department has sent XXXX letters and they claim they do not have any such letters ... I contacted XXXX and the assured me they have indeed contacted Equifax. The XXXX fraud department then sent an additional letter as follow-up. I then contacted Equifax again and the once again claimed they have nothing from XXXX. They then advised me that the only way they will remove the item is if XXXX calls their business office direct. I asked for the number of the business office and they declined to give it to me saying XXXX knows the number it 's business to business. I again called XXXX and they said they had never heard of such a thing and directed me back to Equifax..Equifax then said well they will only remove it if they send the request electronically. I asked Equifax if I could have the electronic address and they declined saying once again XXXX knows where to send it. Back to XXXX and they said it was absurd. I am now at an impasse..I have spent three hours on the phone today alone Equifax just keeps passing me from department to department and declining to remove the item. I have a complete file with dates and documents and correspondence I can provide if need. My husband and I are about to retire and attempting to obtain a mortgage and this item has been holding up that process for almost four months. I need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
When pulling a copy of my Equifax, XXXX, and XXXX Report online I saw where there was a public record reporting negatively against me. I have a copy of a letter from the clerk of courts in XXXX County from the XXXX where this judgement is indeed an error and does not pertain to me. This lien clearly states that this lien is against a different tax payer and not me. With this letter I was able to dispute the public record off of my XXXX and XXXX credit reports with no problem. For some reason Equifax is giving me a hard time and will not remove this inaccurate information from my report. This public record is a false derogatory account that is affecting my credit score. I am in the process of attempting to use my credit. 
* I submitted a dispute to Equifax on XXXX/XXXX/2016 *I submitted a dispute to Equifax and to XXXX County Clerk of Courts on XXXX/XXXX/2016 * I submitted a dispute to XXXX County Clerk of Courts on * I submitted a dispute to the Consumer Financial Protection Bureau on XXXX/XXXX/2016 * now I am submitting a dispute as of XXXX/XXXX/2016 I am hoping that this agency is able to get his matter resolved I have spent lots of hours dealing with this and typing out all of these dispute letters. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed numerous complaints with the CFPB in XXXX about Equifax 's willful, illegal injuries to me, including the denial of credit, less credit, and higher interest rates for credit when it was rarely granted. Please consider the following complaint in light of my previous detailed complaints about Equifax 's habitual, numerous abuses and injuries to me. 

Recently, I received a letter from Equifax dated XXXX XXXX, XXXX. A copy of it is herewith attached. Please note that the envelope for it has a post mark date of XXXX XXXX, XXXX, indicating that Equifax mailed this short letter four days after it claims to have written it. Alternatively, it may have post-dated the letter. 

In the first paragraph of the letter, Equifax announces, " We are writing to notify you about and to confirm a new current address that was posted to your Equifax credit file within the last 30 days. '' In fact, the so-called " new '' address is XXXX I have lived at for nearly 13 years. It is the same address that appeared in numerous letters I sent to in and which can be found in many of my XXXX, aforementioned, CFPB complaints about Equifax. Furthermore, Equifax goes on to announce that another address, " was ... reporting as your current address ''. 

I am baffled by Equifax 's statements. Are they suppose to constitute some kind of unacknowledged confession from Equifax , indicating that somehow it managed to ignore my address for well over a decade and despite the fact that I received a few credit reports from Equifax going back several years, but even as recently as XXXX, that had my correct address on them ( along with numerous false ones )? Indeed, Equifax 's real purpose in this strange letter is as opaque as the source of the second address that it claims to have been reporting another " current '' address. 

Why is Equifax allowed to hide the source of inaccurate information from me and why is it allowed to continue to use such grossly inaccurate sources of information to begin with? Why is Equifax allowed to so egregiously impose on my time by forcing me to provide janitorial services for its endless streams of sewage? Why is Equifax permitted such a grossly unfair and abusive modus operandi that assumes that I am guilty of so much falsehood until I prove my innocence, again and again, against its intransigent resistance? Who appointed it as such an incompetent and morally bereft arbiter of so vaulted a standard? Why am I not allowed to defend myself from the secretive, thoroughly corrupt collusion of Equifax and its nefarious, hidden sources of information?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My employment Info is missing. I have worked for XXXX since XXXX 2002

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX XXXX # XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am tremendously offended and outraged at Equifax. Recently, I received a credit score from Equifax and it was significantly lower than I expected. Upon further investigation, the credit report I retrieved subsequently revealed significantly lax controls by the credit bureau, as well as some wild assumptions that tie into potential race issues. When I retrieved my credit report, I found out that for some miraculous reason, both my sisters SSNs were linked to my report. In addition, my birthdate apparently is XXXX, when in fact, is XXXX. Unless I 'm mistaken, I would 've thought that an individual is tied to XXXX single SSN, and not XXXX additional SSNs. This unfortunate situation has led me to appear to be responsible for all credit-related accounts that are not mine, including student loans, a delinquent credit card account, and credit inquiries that I never made. In addition, because all of our names have beginning syllables that are identical, that makes it such that I am the same person as my sisters. Although I attempted to self remediate the situation online via Equifax Dispute Resolution, the button will not let me hit submit - it appears that the system makes it that much more difficult to even self-help. I am resorting to notifying the only potential bureau about this issue that can help escalate and resolve this issue. Any institution that has any reasonable controls should 've flagged the very fact that XXXX person is tied to multiple SSNs for further investigation and independently verify the accuracy. This is a failure on the compliance program of Equifax and I am requesting assistance to get an accurate report - do note that other credit reporting agencies ( i.e., XXXX, XXXX ) do n't seem to have this issue. I am attaching both a credit report for XXXX agencies, as well as a word document that I copied and pasted from Equifax 's website ( which would n't let me submit and froze me out ) for further reference of what my specific disputes are. In addition, I am attaching a copy of my passport and my SSN as evidence of what the accurate information should be. 

On a separate matter, I would also be concerned at the sheer fact that I now know the entire credit history of individuals other than myself, and what potential ramifications that has on the privacy of the effected individuals ( regardless of whether or not they are family members ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
US DEPARTMENT OF EDUCATION # XXXX is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Equifax for them to delete the account or remove the false status codes that make this account inaccurately past due. i have contacted the US department of Education and i have been informed that they have alerted Equifax XXXX that this account should not be a derogatory item, it should not be reported as a collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any verification as to their reasons for reporting it this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax keeps load on the credit report adverse information that was already deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My mortgage was owned by XXXX XXXX XXXX. It was then, as customary, my mortgage is now being handled by Seterus, which in the past 2 years have been, by far the worse .... even worse than XXXX XXXX XXXX. XXXX XXXX, 2015 I sent Seterus a check from XXXX XXXX to have return to XXXX being that I decided to go with another Insurance Company. A year later, Seterus claims I owe that money and they had never received the funds.Of course they increased my ESCROW so I had to do their job, contact XXXX, have them re-issue the check, send it to Seterus via Register Return Receipt, once I confirmed the check was received by Seterus, I called to follow up, and they still claimed the check had not been receive, I lost it and told them off.They increased my mortgage payment and said once they received the check, they will do another escrow analysis and it would take up to 30 business days to make any adjustments in my account. XXXX & behold they made the adjustments and 30 days exactly my mortgage payment was re-adjusted, ( which leads me to believe they had the check all along and did not want to admit it ). Yesterday I come to find that the taxes on my home have not been paid. Seterus was returned a payment of {$1600.00} from XXXX XXXX XXXX Collector and has been sitting on it for 1 month.Yesterday I received an email form them indicating my taxes are past due and that further penalties and fees are being accrued for lack of payment. I called Seterus once again spoke to a representative by the name of XXXX, and was told she would put an " urgent action required '' note in my file and I would have to call back and follow up. Really? do I have to follow up and do their job? why in XXXX are they managing something they ca n't obviously not able to handle? I am the victim here, not only has my home insurance been jeopardize but now my taxes? Seriously? Does n't Seterus and their " reps '' know I can have my home be taken away for not paying my Insurance or Taxes? What kind of a joint are they running there? If these XXXX ups are the lack of service Seterus creates, then why nothing is being done, why does n't Seterus pay out of their pockets these kind of financial XXXX ups caused by their lack of service? I am sure they have liability insurance. I refuse to pay for their XXXX ups anymore, nor do their job for them. 
I WANT SETERUS TO PAY FOR ALL THE AGGRAVATION, HARDSHIP, FRUSTRATION AND PUNITIVE DAMAGES THEY HAVE CAUSED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I would like to complain about the Equifax credit reporting agency unnecessarily perpetuating a dismissed Chapter XXXX bankruptcy public record beyond the standard 7-year reporting period used by XXXX and XXXX and outlined in the Fair Credit Reporting Act. 

My bankruptcy was filed on XXXX XXXX, XX/XX/2008 and has been removed from both my XXXX and XXXX credit reports. Equifax, however, refuses to remove this nearly nine year old record. 

In my reading of the Fair Credit Reporting Act, I can find no guidelines that substantiate this punitive measure. In fact, there is no specific mention of Chapter XXXX bankruptcy in XXXX of the FCRA. Therefore, I believe a dismissed Chapter XXXX bankruptcy to fall within the limitations of all other negative entries and should be removed after seven years. 

I claimed my bankruptcy as a direct result of my loss of employment during the XXXX recession. I have since rebuilt my finances and would like to move forward. The negative effect Equifax 's faulty reporting has had on my credit score, however, is preventing me from obtaining a mortgage to purchase a home and thereby realizing a milestone in my financial recovery. 

I have provided my Equifax dispute confirmation number and attached the dispute results document to this complaint. 

Thank you for your time, and I look forward to speaking further with you on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have paid off my XXXX XXXX 's consumer loan accounts and XXXX XXXX as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
credit Bureau Equifax not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXXand with XXXX since XX/XX/XXXX till present2. as showing XXXX names for me instead of oneI am XXXX XXXX not anybody elseAlso credit bureau XXXX showing incorrect information on my name as well - I am XXXX XXXX and onlyand I am afraid that third credit bureau has the same issues but they did not provided for me their data for nowPlease help me out because these situation continuing for a years and they are not helping at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is inaccurately reporting my Bankruptcy discharge date as XXXX/XXXX/XXXX, when in fact it was XXXX/XXXX/XXXX eleven years earlier. I have disputed this information several times and sent supporting documentation to no response from them. This inaccurate info is causing me difficulty with job searches and obtaining credit. This is an extreme hardship to me financially and they refuse to correct it.

Company response to consumer: Closed with explanation