vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband and I file a Bankrupt in 2008 it has been satisfy and it is over 8years old. XXXX and XXXX XXXX has Deleted it from my report, but Equifax will not and have no answer why

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes. 

Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
there are XXXX accounts that are being reported incorrectly and have been under investigation for over 90 days XXXX bank account # XXXX says under investigation for over 90 days federal bankruptcy account number XXXX says under investigation for over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
received letter in mail stating that XXXX of my account holders has changed my name, address or SS number and I should get it checked out. The letter came from Equifax. I order my XXXX reports, XXXX and XXXX XXXX come in 1 week and all info is correct, I get another letter from Equifax saying that they ca n't identify me and I must send them a copy of SS card and Drivers License. I email them and they say that it is hard to help me without my member ID number. I then call them and give info again and they want credit card info. This is extortion to get you to buy their services. They will not let me view my report. I will not buy their membership. I am sure I am not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have been waiting since XXXX XXXX for my annual credit report from Equifax. 
Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. 
Four months is long enough to wait for my credit report from Equifax. 
There is no person customer service telephone number for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All negative reports should be deleted from my file. Each account has been paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax today XXXX/XXXX/15 and got XXXX XXXX from the office of consumer affairs. I called to explain how I was n't able to view my credit report. As I was trying to explain my issues I was rudely cut off and talked to in a very condescending manner from XXXX XXXX. I asked her why I ca n't view my report. I was given zero explantation and continued to be talked to rudely. At this point I asked for a manager and was denied the right to speak to a manager and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Initially I disputed an item/account, which came back as verified. I believe that the investigation is questionable.

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

Complaint narrative:
XXXX account reporting late on XX/XX/XXXX and XX/XX/2015 when account was never past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting a debt for a credit card on my credit report and it is not mine I have tried to contact them directly with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I default on my mortgage due to work related injury, and apply for help to Keep Your Home California and was able to get approve for {$39000.00} to Principal Reduction program ( PRP ). To Pay any past due amounts and reduce remaining balance of first mortgage and bring monthly Mortgage to an affordable.. 
So in months later Seterus, INC had send me a Loan Modification to sign and return and Seterus representative call me stating that the only way to get approve for the money founded to my account from " KYHC '' is by signing modification. next day later Seterus Manager XXXX XXXX Call me again asking for the sign modification, And said if they did n't receive with in a week they were going to reject my founded money back to " KYHC '' and the house would be foreclose. So I had filled out Documents to keep my home and have a reduce Monthly affordable payment. I send this documents back to Them sign. On XX/XX/XXXX I paid my mortgage ( {$1700.00} ) upon agreement and they call me back stating that I was short on my payment that my payment was suppose to be at ( {$2100.00} ) So I was short ( {$440.00} ) So I ask to explain how was that possible when I had filled a mortgage modification and I had a principal reduction to bring down my mortgage to affordable payment. and that was not affordable my payment when up {$440.00}, and is not on the documents that I had sign. 
Seterus Representative could n't not give me an straight answer and they got higher Supervisor to assist and She first said that it just gone up So that 's what I need to pay, And I told her to Explain why she said that Property taxes when up and It did n't and than she Said That because of PMI insurance, Then she said because of Shortage on property taxes or it could be something but she does n't know for fact..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Bank of America ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Asked to have inquires removed stated as fraud. Investigation performed stated I would need to call each company & deal with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This item shown on my personal credit report by your office XXXX County Public Records, Docket # XXXX, XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX, is inaccurate. Because based on Alabama Tax Code and the decision by Alabama Department of Revenue, I was not an Alabama resident XX/XX/XXXX, and I shall not be liable for any Alabama State Personal Income Tax. 

The tax lien order was formally rescinded by the State of Alabama Department of Revenue on XXXX/XXXX/XXXX with the issuance of Taxpayer Assistance Order. Although the status of lien later changed to release of tax lien on XXXX/XXXX/XXXX, however it should be changed to deleted or formerly erroneously reported lien and now cancelled, according to all three national credit bureaus, this incorrectly reported tax lien record shown as released will stay on my personal credit report for at least 7 years. Due to this tax lien record, my credit score was at XXXX before but currently dived to XXXX level. 

I have contacted the credit bureau and corresponding parties many times, requested for removal of this tax lien before, however, this incorrect Tax lien item still has not been removed, this time I am writing this matter to CFPB and hoping you can help to take a further look into this matter and correct the incorrectly reported record. 

The credit bureau office reported the Tax lien was released was incorrect, the Department of Revenue clearly stated in its " Taxpayer Assistance Order TAO # XXXX '' Dated XXXX/XXXX/XXXX ( COPY attached ) and also its " Alabama Income Tax Final Assessment and Lien for XX/XX/XXXX '' Dated XXXX/XXXX/XXXX ( See attached ), " the XXXX income tax assessment filed against you was incorrect ... ... ..that you were not an Alabama resident for the XXXX tax year, consequently, a TAO, rescinded the XX/XX/XXXX income tax final assessment entered XXXX XXXX, XXXX ... .... '' The final assessment further stated " Please do not interpret that the Department released the lien due to payment. The Department 's Taxpayer Assistance Order rescinded the original final assessment for the XXXX tax period and your credit record should be corrected to reflect that fact. " Based on all above, I am requesting that the released Tax Lien shall be removed to in order to show the general public correct information on my personal credit report. Enclosed are copies of " Alabama Income Tax Final Assessment and Lien for year XXXX CSD Case # XXXX '' and " Taxpayer Assistance Order '' supporting my position. Please help to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX credit card Acct # XXXX which was in the name of a Corporation and used only for such Corporation. I did not have a personal guaranty on this account. XXXX XXXX took me to NYS supreme court and sued me personally. The Court ruled in my favor dismissing the complaint and stating that there was no personal guarantee and that it was a business credit card and I was not liable for such account. I sent the documentation to XXXX XXXX who then deleted the account from my record in 2 days. I sent a copy to Equifax XX/XX/XXXX and they acknowledged the dispute and said it would take up to 30 days to resolve. After not hearing back and finding it impossible to reach them on the phone I sent another Dispute on XX/XX/XXXX to which they responded in 1 day and there results were that they verified the account was mine and I was individually liable for this account. Thus defying a Court ruling. I would like this account removed from my credit report. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I made several attempts writing letters to Equifax to remove unauthorized from my credit report and they have continued to state that inquiries are matter of fact without even making any attempts to investigate these disputes. Therefore they continue to report these inquiries in my credit report. This is ruining my life and not to refinance my house and get any credit because of these hard inquiries. Equifax even have my address wrong on my credit report which is a reflection of a deliberate attempt to ruin my life. They have my address as XXXX XXXX XXXX XXXX Ca XXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. This is probably where the problem is coming from.

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

Complaint narrative:
My home mortgage bank dose not report every payment I made to my home loan. 
I have payed 7 months on time and they have only reported 3 payments and that is effecting my credit score.

Company response to consumer: Closed with explanation