vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I attest that I am XXXX XXXX, and I am the author and owner of all information placed in this dispute. 

The XXXX XXXX account on my record, is not mine. I never opened an account with them, received or activated a card, or - established any credit line with this company, Equifax updated this account with verbiage that says the following, and on XX/XX/2015 - " Consumer disputes after resolution " I am, and never have been the owner of such an account, and therefor, and again dispute this tradeline for it is wholly innacurate, This is the second dispute with EQ, and for each failure to respond to the issue brought to them and clearly spelled out and not acted on, there is an allowable financial penalty for each incidence, in the courts, available to me. 

XXXX XXXX should be contacted directly, to verify the same. 

1. I hereby request a method of verification, specific to how this account is/will be verified. I am entitled to a contact name, address, telephone number or other identifier, in which EQ has or will verify this account and its ownership. 
2. I also request, that this tradeline be deleted. 

As per the FCRA, this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX came up on my inquiry 's did not apply for credit through this company or any other company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my response to my formal complaint, and ask you to investigate the business practices of Equifax. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
They have no verifiable proof ( an original consumer contract with my signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. My ID has been stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX , XXXX XXXX ( XXXX ). Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Equifax failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts and persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for a Chase Total checking account and used a coupon for a {$300.00} sign up promotion after direct deposit. After several months of waiting Chase is refusing to pay out the promotion even though I received several direct deposits from my tenants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX of XXXX I booked a hotel for XXXX XXXX on XXXX using a credit card by citibank. 
XXXX of XXXX my identity was stolen and fraudulent charges made on the citibank card. Citibank said I am not responsible and took care of it. Within a week or 2 we closed that account. 
XXXX XXXX I canceled the hotel and XXXX said they could only refund to original card so they did. 
I called Citibank and was told I would receive a check after 6-8 weeks. 
3 months later now XXXX XXXX I called Citibank and asked about the refund. They said it was credited to the fraudulent account?! How can that be if it was closed? I asked for this money and they said they ca n't do anything about it but I should contact XXXX. I did that and XXXX said the transaction was complete and Citibank has the funds. I was told to call Citibank! 

At this point I believe Citibank is the one who needs to give me my funds back. 
It seem when the account is closed they will be happy to allow money in but not out. I just want my refunded hotel amount back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: IA

Complaint narrative:
In XXXX I received a letter from the law firm XXXX for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
The first of the year ( XX/XX/XXXX XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter XXXX notice to cure ) from the law office XXXX stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office XXXX or their client Cach LLC or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me two different letters one demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} XXXX XXXX letters arrived on the same day ). 
I am on XXXX food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus have a very bad customer service organization. The first 12 minutes of any call is them verifying and re-verifying all of your information even if you talked to them that same day. The servicers do not read your information in the notes after verifying who you are or prior to calling you. I have asked for 8 years, providing documents by email, fax and snail regarding my name change, with documented proof they request, at least 10-15 times. And, I notify them every single time I call that I am divorced. They still have not taken care of it. They are rude and inconsiderate. I believe I they have taken steps to hurt my account and credit because of this. I have had payments applied incorrectly, using late payments and misallocated a regular monthly payment in order to make negative marks on my credit. I requested a modification, was told I needed to miss 4 payments to do so. So I did, they came back with a horrible offer, which I had no choice but to accept. Now I am in a 40 year loan at 5.5 % interest, with bad credit on two fronts because of Seteres. They in NO WAY look out for their customers best interest. Lastly, I had a flood at my house. My insurance promptly paid. Seteres took the money. After 6 weeks, Seteres still has n't given me the money to pay contractors. I had to use 2 months worth of mortgage payments to pay out of pocket so I did n't get a lien on the house BECAUSE OF SETERES. They are rude, clueless robots that only hurt the situation and have no concern about anyone 's wellbeing.

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 — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have XXXX now asked for the method of verification that Equifax is using to report public records. I 've filed XXXX dispute through CFPB ( XXXX ), and Equifax stated that " Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. " I am getting tired of wasting my time. I have the right to know how the are verifying information. They have had XXXX opportunities to provide me with that information. XXXX times they have failed to do so. Per Per FCRA Section 611 ( a ) ( 6 ) and ( 7 ), I have a right to be told. I 've checked with XXXX Courts, and the Courts are not giving them this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This account does not belong to me and Equifax continues to report this fradulent Collections account on my credit file, even though i had provided multiple evidences of these agency 's violation of both the FCRA and FDCPA. and Equifax couldnt provide what proofs and evidences the collection agency provided. Continuing to report invalidated debt or fradulent collections is a violation of the FCRA and FDCPA. I have forwarded all my evidences of Equifax violations of the FCRA and Maryland consumer laws to the Maryland XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Equifax continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Equifax is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Equifax XXXX the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has maliciously misrepresenting the above account as a personal loan when it is a credit card that I closed XX/XX/XXXX. I spoke with XXXX XXXX and they said they always report this card as a credit card, not a personal loan. The account was with The XXXX/XXXX. There has not been a balance on this account since XX/XX/XXXX!!! 
When I tried to dispute this on the Equifax site on line, I was not able to do so because the verification questions they asked apparently I kept getting wrong after they verified my credit file. Why can Equifax put fraudulent information on consumer 's accounts that is negative to their credit without anyone monitoring what they do? 
I also check XXXX and they are also reporting fraudulent information regarding this account. I paid it off XX/XX/XXXX, they state there was a balance of {$3500.00} from XX/XX/XXXX to XX/XX/XXXX. 
Experian reports it as an account is good standing - XXXX balance like it is still open? 
The main issue is Equifax and how they purposely misrepresent the truth without any consequence. I just do n't understand why this allowed to happen. They have a stronghold on consumer 's credit and use their " power '' to change credit scores, without any consequence. 
XXXX XXXX is providing me with a letter to back up that this was a credit card not a personal loan and that it has always been reported to the credit bureaus as a credit card. In fact, XXXX does show it as a credit card but Equifax decided today to show it as a personal loan. I checked the internet and I am not the first consumer who has had this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: North Idaho Credit Corporation
State: ID

Complaint narrative:
I never received a single collection attempt on the case until they sued me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NH

Complaint narrative:
Seretus a loan servicing agency does not have sufficient internal systems to deal with non-standard situations. I am appointed XXXX in a family case. The agency has not been able to understand my position. I want them to send a matter to their Legal department. After time was spent sending them information, they acknowledged they could speak with me, I had the social, and the loan number from their documents, but then insisted I state the original names -apparently the full middle name- of the mortgagor. I had not been informed of what information I would need in my earlier conversations with them. I contacted the parties, so with additional delay I was told they do n't remember what name was used, but I am going to try again with the middle names. I appreciate their need to protect the information they have. This problem with probably arise with executors and other parties, there needs to be a path way for people with legal rights to the information to find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
While checking my personal credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/XXXX on Equifax. I did not authorize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ) multiple times. 
They were not legally entitled to make these fraudulent inquiries. 
This is a serious breach of my privacy rights. 
I have requested 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 immediately and have them remove the unauthorized and fraudulent hard inquiries immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX/XXXX/XXXX in case it is needed to locate the fraudulent inquiries in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A XXXX XXXX acc. closed in 1997 is still on my report. Untill I closed it due to divorce it was always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed for bankruptcy in 2008 but it was denied, so essentially my financial status was never bankrupt. 

Please remove this from my credit history. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
A wrong name and address is listed on the credit report under my personal information. 
The following personal information is not me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting inaccurate information on my credit file in association with an account with XXXX and is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining XXXX ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '', if I agreed to pay a one time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my Equifax credit report. My equifax credit file is reporting, " account paid for less than full balance '', " charge-off '' and late payments. All three indicate a recourse as to a deficiency on loan. As per the enclosed agreement, any and all derogatory comments from my credit file associated with this account are to be removed since all three constitute a recourse as to a deficiency on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation