vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
CFPB Complaint Equifax XXXX/XXXX/16 Account XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX 's reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Equifax Credit Report, or any other credit report for this account, no address or other name. I sent a certified mail return receipt to Equifax requesting delete of this account. I have not been able to verify that Equifax has processed that dispute. 

XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX Bank # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX - XXXX Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX Bank # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX Bank. Certified/return receipt/mail, Response from XXXX XXXX, certified mail sent to Equifax requesting delete and this letter of this CFPB dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have Public records listed on my credit reports that are inaccurate and incomplete such as JUDGEMENTS. The federal law requires that the credit agency provide mechanisms to ensure that each item on my credit report belongs to me and is accurate. I have requested from the credit agency Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate these Judgements and they have failed me only to return stating it has been verified with no substantiation. I have received a letter from the court stating they do not reporting to the consumer reporting agencies but yet the credit reporting agency is saying they have verified it with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I am very upset of the way Seterus has handle my loan. I summited a complete modification packet since XXXX/XXXX/XXXX. I spoke with Agent XXXX XXXX on XXXX/XXXX/XXXX and she had verify that my documents were received and that my file was going to be summited to the under writer for review. However that did not happended they keep prolonging my loan and now I have an active sale date for XXXX XXXX, XXXX. I had to fight with different agents and everytime I called there were no new notes. This is really frustrated becaus I do not want my house to sale. I had to even reach out to my investor to make sure this time Seterus reviews my loan based on my current income. My home is severely under water and my investor XXXX he participates in The XXXX XXXX Modification. Also they started to offer principle forgiveness. Therefore I am hoping that my loan can be review for all the workout options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like this tax lien that was filed XXXX, Case # XXXX to be removed from my credit report. This information has not been verified and it has been removed from the other XXXX bureaus ( XXXX XXXX and XXXX ). In my defense, Equifax Information Services LLC has agreed to settle a class-action lawsuit that accused the company of violating the Fair Credit Reporting Act ( FCRA ) by providing consumer credit reports that did not properly identify the source of public record information. Equifax never actually retrieves public records from courthouses or government offices, but instead collects the information from private businesses. 
However, it has agreed to settle the FCRA class action lawsuit to avoid the expense and uncertainty of continued litigation. I would like the tax lien removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Never lived at this address.Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is, I believe, the third CFPB complaint I have submitted against this company for the exact same reasons. You have done nothing to help rectify this problem. Equifax has done everything wrong to try and fix this problem, which is a violation under the FCRA. Both XXXX and XXXX seem to have no problem reporting my credit information accurately and timely. Equifax is the only CRA that is not only falling down on the job, but is basically illegally not furnishing accurate credit information. My XXXX XXXX store card has not updated since XXXX/XXXX/15 now and actually that card is now closed as I was upgraded to their XXXX XXXX XXXX which is also not reporting. Back around the XXXX or XXXX complaint with the XXXX both my XXXX XXXX and XXXX store cards were not being updated, they XXXX were reporting a balance when they were XXXX XXXX, and the only way I could find to get them to update was to dispute the trade line. Out of frustration I called Equifax ( for the 10th time ) to try and resolve this. The CSR I talked to said there was nothing they could do but dispute the tradelines. Angrily I accepted and he submitted the dispute, and to my horror XXXX tradelines were removed from my credit report. Two years ' worth of positive payment history gone. I have tried very hard to build positive credit and this is unacceptable in all accounts. I am just getting around to sending this complaint due to the holidays, but I will be applying for my first mortgage in the next few months, and if this is not resolved by then, I will have to sue Equifax as this is greatly affecting my life. I have spent countless hours on the phone, e-mail, etc. trying to resolve this, and if this affects my mortgage process in anyway, if I get a higher rate because of this, I will be enlisting my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am sure they can rectify this in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX mortgage has not deleted the fraudulent reporting of a mortgage loan they have XXXX interest in. Equifax continues to state this mortgage is in foreclosure and XXXX has no legal ownership.

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

Complaint narrative:
Basically, my sister and I have the same initials, grew up in the same home, have similar SSN but we have a HUGE age gap between us. for YEARS I have been having her items show up on my credit report. It started XXXX of 1994 according to Equifax. No one will help me. now I can not even qualify for a home loan because her MORTGAGE shows on my credit report. She has over XXXX debt in my SSN and I can not get it removed. This is so disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Credit Report Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Every year I can not get past Equifax 's ( PURPOSELY ) illegible s CAPTCHA, ( authentication challenge ) alpha-numeric box. I try 3 times unsuccessfully and the system then locks me out. This requires me to sent Equifax - by mail - a list of documents in order to receive my free annual credit report. I do not have this issue with XXXX XXXX or XXXX. I have lodged a complaint once before to no avail. CFPB has not been successful in dealing with this OBVIOUSLY and PURPOSEFULLY underhanded attempt to force citizens to the onerous task of mailing sensitive documents to them. The obvious reason is to get requestors to just give up and go away. I hold CFPB accountable for not fining or sanctioning Equifax. Otherwise this will never be resolved. Please respond with a corrective action detailing what, if any, pressure you can bring to bear on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
An address listed on my Equifax credit report is not mine. This address is my Ex fiance 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I just received a loan modification package from Seterus Bank with a proposal trial period payment for XXXX months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i could n't pay before in the XXXX place. 
I have spoken to alot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$970.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and im worried for my family and loosing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I can not seem to access Equifax in any sort of XXXX XXXX, so i can not file a complaint [ as well as their information being SO incorrect, I ca n't pass their 'verifications ' test ] I have been trying to get them to Correct the amount owed on a bill in collections, to reflect a " paid in full/closed '' balance. The debt collector reported to Equifax , a remaining balance of {$77.00}, down from over {$200.00}, but i paid the bill, in full, in XXXX. I have a receipt from the collection agency with the corrected {$0.00} balance, with no way to upload a digital copy. Equifax makes it exceedingly difficult to contact them if you can not manage to online. I Need this negative report off of my credit report as it has affected my ability to obtain other utilities since paying the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Apparently my x-wife went to a XXXX in XXXX, Tennessee and had a procedure done using the old XXXX card that was only good when we were XXXX. I have XXXX papers proving that she was no longer insured after the XXXX. Now apparently XXXX XXXX shield has denied the claim but it 's showing that the charge was JOINT?? I had no knowledge of any of this and did not sign any paperwork for her or on her behalf. I only found out about the collection because I monitor my credit report from time to time. Now it has gone to collection through a company called XXXX XXXX and XXXX and is showing as a collection on my Credit Report. What do I need to do to get this off my credit and get her to stop using my card. XXXX XXXX had told me that they ca n't take the card from her and she has tried this before?? She is still using the name of XXXX XXXX and is not supposed to be using my last name anymore, the court ordered her through the XXXX to change her name back to XXXX XXXX XXXX and she apparently has not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a credit freeze with the bureaus due to extensive identity theft. I have no difficulty lifting my freeze with XXXX or XXXX, but no one is able to pull a lifted report from Equifax. I will receive written documentation and verbal confirmation from Equifax indicating the lift is in place, however anyone who attempts to pull credit receives the following message : " bureau error, no data to display '' with a numerical value of " XXXX ''. The companies attempting to pull credit have indicated the message regarding frozen credit should appear when frozen, and the numerical score should appear when the freeze has been lifted. None have confirmed receiving this message when an individual has a freeze in place. This message was received from Equifax, both when the credit was frozen, and the lift was in place. When I questioned this, Equifax indicated this is a normal message due to the freeze and should not appear when the lift is in place. When they are questioned why the message continues to appear when the lift is in place, each Equifax representative provides the same answer, " they ( company attempting to pull credit ) do n't know how to pull credit ''.

Company response to consumer: Closed with explanation