vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Submitted evidence of letters to and from creditor, XXXX XXXX XXXX XXXX, to Equifax and XXXX. After initially disputing a negative account on my credit reports with Equifax and XXXX, and being told by each that the account was verified or updated without any evidence or proof of this alleged verification, I was then requested by each bureau to dispute the negative account directly with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been reporting for over 6 years now an account that shows a zero balance owed but indicates XXXX alleged late payments.I then sent a certified letter to XXXX XXXX XXXX XXXX on XXXX/XXXX/16 requesting verification per Section XXXX, and that it will be a violation of the Fair Debt Collection Practices Act ( FDCPA ) to not provide me proof of such a negative account. For the purposes of 15 USC 1692 et seq., I disputed the validity of the alleged debt and a dispute to the validity of its claims. ( see attached ) I received XXXX separate letters from XXXX XXXX XXXX XXXX in response to my XXXX letter -- XXXX dated XXXX XXXX, 2016 ; and XXXX dated XXXX XXXX, 2016 ( see atatched ) -- each requesting that I provide the burden of proof for the negative account reported to each credit bureau. I replied with a second letter on XXXX XXXX, 2016 ( see attached ). Again, I reminded XXXX that per XXXX XXXX XXXX et seq. it was required by law to provide me signature proof verification and documentation of this reported account. I received a response dated XXXX XXXX, 2016, which was the same form letter sent to me on XXXX XXXX, 2016, with just the date of the letter changed ( attached ). I then sent all of these letters and correspondences to each credit bureau on XXXX XXXX, 2016, requesting each delete the negative account because XXXX XXXX XXXX XXXX failed under the law to provide any burden of proof for reporting this account. I received a response from XXXX dated XXXX XXXX, 2016 ( attached ), stating it " updated '' the account -- even after providing all of the evidence to show that XXXX XXXX XXXX XXXX violated the law and that XXXX was as well by not providing me any verification of proof and must delete the negative account. The same series of responses and correspondences and results came from Equifax ( attached ). I have not heard back yet from XXXX after 30 days. All three legally must delete the negative account or face a small claims action for {$3500.00} each in a court of my jurisdiction -- plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX in the amount of {$5000.00} from XXXX and was denied because my score was below their minium requirement. Later that evening I applied for a loan in the same amount from XXXX and was also denied. When I received the denial letters in the mail I noticed that 1. ) Both companies used ONLY Equifax and 2. ) Equifax unlawfully provided 2 grossly different scores, a difference of almost XXXX points on the same day. Had they reported the same score to both parties I would have been approved for the first loan ( as my score met their requirements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I never resided at XXXX ever and I believe that I requested that the address be removed and it still appears on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed my disputes with my XXXX credit bureaus and never heard anything and I filed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I keep disputing this information with Equifax regarding these accounts. I asked the companies on my dispute to validate the debt as well as the negative information that they keep reporting to Equifax. I never received any validation of debt or any competent proof. Equifax claim they verified the debt and I would like to see the verification that they have received regarding these disputes. I have also filed complaints against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to my credit union ( XXXX XXXX ) to apply for a credit card and was denied, when we reviewed my file we found XXXX credit cards opened in my name 6 years ago while i was XXXX. I did not open them. We found a XXXX XXXX XXXX, a XXXX XXXX, a XXXX and a XXXX card all in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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:
Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX XXXX XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact XXXX by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I have now requested the PMI be removed from my account three times and also sent in the money for an appraisal XX/XX/2016. Ths company will not return any letters of only requested to have the PMI removed. I am well over the LTV of XXXX % to removed PMI adn also have never been late on any payments fro the life of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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:
Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a letter to Equifax stating the information they have on file is incorrect. Asked for them to send me verification with my signature on XX/XX/XXXX, 2nd letter went out XX/XX/XXXX asking for the informaton again. XX/XX/XXXX sent letter again asking for information along with letter from U S Bankruptcy Court in Texas. No comments on Report except NO tax liens or judgments. On. XX/XX/2016 sent one more letter before I file suit for not receiving written verification with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been having fraud and identity theft problems. The FTC suggested I contact Equifax to get a credit report. When I contacted Equifax , they did not tell me I could get a free credit report. Instead, they said I needed to get Identity Patrol for a cost of $ XXXX/month. Three days later, I received an email stating I was no longer eligible and needed to get the Gold Watch protection for $ XXXX/month. When I called to ask about this, I talked to " XXXX '' who told me that some other credit company had put a freeze on my account and asked me a lot of vague questions about my credit without explaining why. Eventually, she said the account had locked up and I would have to email for additional information and she hung up. I was a little concerned because my emails had been hacked into. This did n't seem a secure method. Two hours later I called back and talked to " XXXX ''. He said the problem had been corrected and had been caused by XXXX. The only people I ever talked to were at Equifax. He said I only had to pay {$16.00}. When I explained to him that all I wanted was a free credit report and that that was never given to me as an option. He said there was little he could do. When I asked for a refund, he said he did n't handle that, it was handled by billing in the back-office. I then spoke to XXXX XXXX who said there would be an investigation and I should get a refund in 7 to 10 business days. He gave me a reference number of XXXXNone of these people were helpful, polite, or professional. They all wanted to argue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$1000.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$1000.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Priority Financial Services
State: VA

Complaint narrative:
While searching for a mortgage loan I was contacted by Priority Financial to help in getting me the best interest rate. Everything went as expected until the disperse net and I was not allowed check due me until I paid Priority {$4000.00} back for them helping me. My back received check and was not released until check was received by them. I found out this was not a correct procedure when I went to refinance loan and refused to deal with a broker. After contacting Priorty they have said they can not find where check was deposited and they would not have anyone work for them they did this. I have sent them documents, front and back of check, and people I dealt with. They have offered {$1000.00} to us because of my health, XXXX, and circumstances happening at the time but can not tell me where money is, who cashed it and if this has occurred with anyone else. At a loss as what else to do. Should I accept the {$1000.00} and be grateful to get some of it back or continue to fight on. It astounds me a company that deals with money, customers and knows nothing of this check. I really need to know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a victim of ID Theft and I need to dispute the last copy of my credit report that your company published, after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below, please send me copies of the documents that you have in YOUR files as of this date, what you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C Section 1681g, I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning accounts that have been verified? Please send me copies of the documents you have in your files to verify accuracy and please do not respond to my request by saying that these accounts have been verified, # XXXX ..., # XXXX, # XXXX, # XXXX and # XXXX. Please also investigate all inquiries and I am asking for them to be removed and my credit score adjusted. My previous addresses, if you need my previous police report can be faxed upon request. Please under Section 611 ( a ) ( 5 ) ( A ) ( I ) by publishing these inaccurate and unverified items on my credit report and distributing them to third parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: GA

Complaint narrative:
i funded an overseas account for trading stocks and was promised an account that would return 80 % back after loosing 100 % I requested that the money be returned per the agreement. and got no response from the merchant and for approximately 15 days was afforded no help from Netspend on the status of my remaining funds. in the interim Netspend classified it as a fraud charge when I specifically told them it was for a product trhat did not live up to the claims of the merchant. after 2 months and many emails the merchant finally returned my call and stated that the bank & lt ; Netspend had disputed the charge and they were waiting for Netspend to take the funds back as it was classified as a charge back and yret was still sitting there. upon informing Netspend of this I was told it was under i investigation and would not be resolved until another 3 months time. I will attgach all correspondence that I have had with Netspend and their failure to even acknowledge my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has not verified XXXX, XXXX XXXX, or XXXX XXXX XXXX, because if they did then they are breaking the FCRA by not making sure my information is correct. First, I HAVE NEVER LIVED OR DONE BUSINESS IN XXXX VIRGINIA!!!! Second, XXXX is not mine but this was XXXX in a settlement be the company XXXX hired. Lastly XXXX XXXX is not mine. All XXXX of these companies have said there is an ongoing investigation with no results as of XXXX XXXX. Look, in all honesty I want this to stay out of the courts but if Equifax continues 30 days after they receive my certified letter then my lawyer is prepared to file the paperwork to sue Equifax for damages and the full losses of my company. I have been trying to give Equifax an honest chance to do a proper investigation but we are down to the wire and I will not wait a day longer then I have too. I guess you can take this is a notification of intent to sue. All I want is a fair investigation like I got with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed an account which had reached the retention time and it was deleted. However, after a while I suddenly saw they placed it back and not only that they even changed the delinquency date to very current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Submitted a request on XXXX/XXXX/16 via Equifax 's online Dispute process to have the Consumer Statement ( which will expire on XXXX ) moved to the XXXX account as originally requested. My request also asked that the supporting documentation ( letter to XXXX ) be added to the account. 

It 's now been 45 days and as was the case when originally submitted, Equifax is yet to process the dispute as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Enclosed are copies of reports on disputes from Equifax. These XXXX disputes were created in the mind, ( or lack thereof ), Equifax. Equifax has now taken upon themselves to create disputes out of thin air. 

I have NEVER disputed : My address ( I know where I live and, this is XXXX of the few things Equifax has right ). 
OR : XXXX XXXX XXXX. Here again Equifax created, by themselves, another dispute. I mean now really, think about this. This account was closed the same day it was opened and NEVER had a balance, Why would I dispute that?

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: NJ

Complaint narrative:
My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

Company response to consumer: Closed with explanation