vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From XXXX XXXX, 2016, through XXXX/XXXX/2016 I have contacted Equifax 4 times, by certified mail. Each time I have reported information concerning XXXX credit accounts that were fraudulently obtained, using my personal information. While XXXX, XXXX and XXXX immediately corrected the false data, Equifax has now failed for 60 days to comply with my requests. It appears to have initiated no investigation. It appears to fail to acknowledge information submitted to it by the defrauded credit grantors. ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX Bank. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
From a letter to you on XXXX XXXX, 2015, stating that I was waiting on a loan modification and was three months behind on my mortgage. The XXXX XXXX XXXX will pay these payments. I faxed paper work to Seterus, Inc., on XXXX XXXX, 2015. They gave me an email confirmation but it has been 25 days and this paper work has not been returned to me. Once I brought CFPB in to make an inquiry I felt this company would try to mess me around. The last time I talked with Seterus on the phone they wanted me to comment on a bank statement I sent to them some time ago. They asked for a bank statement and XXXX Awards letter. They did not state that I should comment on any of the documents sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX Revenue XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi, Do n't know if these accounts are mine. Cant reach any companies by these names in Arizona. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Data # XXXX 3. XXXX Collections # XXXX Thank you

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 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted Experian on SEVERAL occasions regarding a legal name change that they refuse to acknowledge and change on my credit file. Their refusal to change my information is preventing me from obtaining credit or health insurance and is ruining my credit score. I have faxed, mailed and certified mailed my name change decree, new social security card and new state ID card photocopies to them. I have reported the change to all active debt collectors and they have still refused to change my information. I have no control over a creditor 's decision to elect to keep pursuing an old debt in my former name. My student loans are the only debt I have and that creditor does not wish to seek my loan debt using my new name. Equifax has an obligation to change my name now that legal documents have been provided and my new name has been reported. To date they still refuse this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I wrote a letter to Equifax disputing information on XX/XX/2016. I never received a response. I mailed a follow up letter on XX/XX/2016 and have not received a response. 
I 'm trying to dispute items on my report for specific reasons not addressed before and am being ignored. 
I have attached my letter written in XX/XX/XXXX, with identifying information. I 've also attached the postage receipt with tracking information as proof of mailing in XX/XX/XXXX. The tracking number ends in XXXX on the receipt. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
In XXXX I had a Tax bill and the IRS put a lien on my account in XXXX. In XXXX I worked with the IRS to withdrawl the Lien from my report and records which they did. XXXX and XXXX removed the Judgement right away but now after 2 or 3 disputes with Equifax they refuse to remove it regardless if I show the paperwork from IRS and Recorders office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting that XXXX XXXX XXXX said my prior mortgage was discharged in Bankruptcy. It was not. It was settled in a short sale a year prior to bankruptcy. XXXX, after direct contact, has said I am correct and refuses to acknowledge that they reported it as discharged in bankruptcy.. But Equifax , after XXXX disputes has failed to do a proper investigation and correct the misreporting. They were even provided all the proper documents showing this was not in bankruptcy. They continually tell me it verified electronically. I told them that there is an error somewhere, they do n't seem to care. They have also failed to provide the information of who at XXXX is wrongfully verifying that this was discharged in bankruptcy. XXXX denies that they are verifying this incorrect info. Equifax also provides only XXXX generic contact info not someone who deals with credit or this issue. After XXXX disputes over 1 year this remains uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We have been trying to a modification on our property for 3-4 years and still have not been settled. Started with CitiMortgage. First attempt, " denied '', income too great. They looked at previous years, not the reduced income to occur in the immediate future. Second attempt, " denied '' currant on payments, we were told we would have to get behind in payments, which we ended up doing. Third attempt, they lost paperwork and we were told we had to get currant with payments. We could not do that and they would not accept partial payment. they said all or nothing. Then it went into Forclosure and we found out it that XXXX turned the loan over to Seterus as the new servicer of the loan. It went into court for a Foreclosure date. Seterus agreed to attempt try for modification. XXXX requested that we go thru XXXX to assist us. we went thru the program and took the financial help class. We received approval and final modification documents, Took them to XXXX, signed them, notorized them and they were sent back. Payments to begin XXXX XXXX, XXXX. Tried to get auto pay set up for payments. Denied for that process, informed that figures in final modification documents were incorrectly calculated. were in the process of correcting and sending out the new documents. in the meantime went to Foreclosure court on the XXXX of XXXX XXXX. House was turned back over to XXXX. Received XXXX documents that evening. Signed, notorized and sent back that day. Been informed by Seterus that them documents figures are still incorrect again. we are still waiting receipt of the XXXX set of documents. Told it would be middle of XXXX, with XXXX payment of XXXX XXXX. We have continued to make our trial payments since XXXX XXXX. Also informed that none of the payments are credited toward the loan itself. Still do n't know if XXXX documents will be correct. This process has been a burden and stress on the family. I feel that this process has gone on long enough, longer than anyone else that I know that has went through a modification. Nobody knows what else I can do, or other actions to take. ( ie Lawyers and financial advisors )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I am not a 100 % sure. But if credit can only be reported for XXXX years, then time is up on this account it 's been XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Last bill dated XX/XX/2016 shows account paid in full and a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am having a bear of a problem with Equifax. Back in late XXXX, I sent them a letter asking them to investigate mistakes that appeared on my credit report with their organization. From what I understand, they are supposed to respond within 30 days. I have sent them a bunch of letters asking for a response, but Equifax just does n't respond. I just do n't know what the problem could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX. sent me a letter to my email inbox on XX/XX/2016, letting me know that they have deleted/closed the account. I no longer owe XXXX any debt. 
I just received my credit report from Equifax and XXXX showing on my report. 
I would like XXXX removed from my Equifax credit account/report, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC, a credit reporting company, has not provided any proof or documentation that they conducted a real investigation on the items that I disputed with them on several occasions. Equifax has claimed that they have verified fraudulent with creditors that they have never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Over the past 2 years I have disputed a judgment that was dismissed. I submitted several complaints to both Equifax and CFPB and no favorable actions manifested. On XXXX XXXX, XXXX a representative indicated the investigation was complete and that traditionally when evidence of a dismissed judgment is provided then removal follows the investigation. I provided with my complaint the documentation which has been attached for your review. However, another Equifax representative, XXXX XXXX indicated on XXXX XXXX, XXXX that there would be no removal since the court placed the judgment on my credit record. I confirmed with the administrative assistant for Honorable Judge XXXX of the XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX if this judgment has been placed by the court unto my credit record and was advised no and to dispute with Equifax. I demand that this judgment is removed from my credit history. Furthermore, I received notice of the class action settlement regarding Equifax report listing a judgment marked as open a month or longer after they had been paid, vacated or dismissed, and consumers who complained to Equifax about inaccurate judgment listings will receive a complimentary credit monitoring service. The solution is not a free credit monitoring service instead I demand that erroneous information is removed from my credit history. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Equitable Acceptance Corp
State: AR

Complaint narrative:
A company by the name of XXXX XXXX XXXX was automatically drafting a payment out of my checking account for my federal school loans for approximately one year. The yearly enrollment update comes around, and they want to increase my payment dramatically. I contacted the U.S. Department of Education, and the representative told me she had never heard of XXXX. She gave me the number to the company they had listed that was handling my school loans. When I called, the representative told me they never received any of my payments for the loans. He also said they had received numerous complaints about XXXX and recommended that I file a complaint with this company. Another representative, from XXXX XXXX, told me XXXX XXXX XXXX falsified my information on their forms to meet their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - 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