vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$1200.00} Sir or Madam, I am writing in regards account XXXX XXXX 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 809 ( 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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I made a purchase in XXXX and XXXX of XXXX with My XXXX XXXX XXXX XXXX XXXX. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases. I received a call from a credit agency in XXXX of XXXX linked to XXXX XXXX. I called XXXX XXXX directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full I have come to find out they negatively reported ( account closed for non-payment ) to Equifax and other bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XXXX XXXX and XXXX stating they would be taking {$250.00}. 
This is deceptive. They did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee. When I called back they agreed to return XXXX {$19.00} late fees. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
There practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper or electronic notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to mentioned this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have set up an account with www.equifax.com to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the XXXX XXXX, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have been working with Seterus Mortgage Acct # XXXX to obtain a Deed in Lieu. I submitted all documentation including proof of discharge of 2nd mortgage etc. After submitting all docs a required under XXXX Seterus said they can not complete a Deed in Lieu because there are {$7500.00} in judgements against me. I believe under XXXX There is money allotted for this. I have had to declare bankruptcy and will now face foreclosure. I attempted this with XXXX and XXXX servicing. I finally received the discharge from XXXX and face this disaster. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted XXXX XXXX who removed them all which raised my score and reduced my number of inquiries. I contacted Equifax and they said they are factual. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Each of the following Tax liens ( State and Federal ) have been charged off. Please remove from my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EQUIFAX has verified XXXX collection accounts ; the accounts XXXX XXXX AND XXXX XXXX are a duplication on the credit report ... .even though the collection is a difference of 12 dollars..they have XXXX collection accounts for a XXXX service of XXXX, the original creditor .PLEASE DELETE XXXX ACCOUNTS

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

Complaint narrative:
I attempted to file a dispute about an inquiry on my Equifax credit report. They referred me back to the company that made the inquiry, XXXX credit. I disputed the inquiry with them and they sent me a letter stating they could not remove the inquiry and referred me back to Equifax. XXXX claims it 's for some type of credit I applied and was approved for, {$1500.00}, but provided me no proof of such application. XXXX states the lender for pay pal credit accounts is XXXX XXXX XXXX. I never received information from them about the alleged account. This account was opened without my knowledge and not by me. I want the alleged account closed and the inquiry removed. XXXX and Equifax have the date of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

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

Complaint narrative:
I have filed XXXX disputes with Equifax within the past 90 days for a negative account that is listed twice on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on XXXX of these accounts. Equifax supposedly has verified that the account information is correct and XXXX accounts still remain on my credit report. This is inaccurate information and I do n't understand how it can be verified as correct TWICE when it is obviously incorrect! How can I get this removed if Equifax claims that the accounts are verified and accurate? 
***Also, I had the exact same problem/issue with my XXXX credit report. I filed a complaint with CFPB last month ( case # XXXX ) and XXXX FINALLY agreed that there was a duplicate negative account listed on my credit report. They agreed to remove on of the accounts. Thank you so much CFPB for all of your help and, hopefully, I will have the same positive outcome with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
HI I was released from my ex husbands business irs income tax and Minnesota taxes when I filled out innocent spouse forms. It was from my ex husbands business that my name was never on. This was never my debt. On the credit report it states either paid or released ... on your companys credit report I noticed there is nothing stated?? I would like the lien information completely deleted from my credit report. The other XXXX credit agencies, XXXX and XXXX have completely removed the lien information off my credit reports. I would like you to do that as well ; since IRS released me from this debt and it is not my debt. thank yhou

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], disputed items must be re-investigated or deleted from my credit report within 30 days. During the re-investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

Equifax, XXXX, and XXXX continue to violate this section Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ), a violation which in turn is adversely effecting my ability to operate effectively as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 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:
Response disputed Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. An adverse account will be automatically deleted 7 years from the date of last activity. Written confirmation was mailed on XXXX/XXXX/15. 

THE ABOVE paragraph is the silly response that Equifax has just sent me via my complain regarding account labeled XXXX. I disputed its age, and its unlawful re-aging and also the fact that all of the necessary credit history had been deleted. Equifax sent me this response and it makes NO SENSE! I do not know if they have deleted it or not. This account needs to be removed as it is unlawful and violating FCRA Law, they sent me this vague answer. How can it be removed after 7 years AUTOMATICALLY, as they claim, if they have lied to me and deleted the history which I was disputing as inaccurate in the first place. please help me, I am desperate and confused here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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:
Describe what happened so we can understand the issue ... 
I am requesting that during this 60 day Investigation. That the items in question related to XXXX XXXX be removed from my credit report until the outcome has been finalized. This is part of the pending litigation pertaining to this matter as well. I am represented by a law firm and I am requesting that the site to be removed during the dispute and litigation. 

This is my second request. I have also disputed with the data furnisher twice.. 

cc : my attorney and authorized representative : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report inaccurate information on my credit file. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens. Once I disputed, they updated the information and/or records but failed to verify the information and closed my dispute within 4days of receiving the information. 

Chapter XXXX Bankruptcy : If a proper verification was ever completed, Equifax would have known that the public records should be deleted due to the falure to retrieve verification documentation alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, was at the time of verification FROZEN and thus could not have been. They falsely reported they did, closing my dispute in 10 days. 

In regards to the tax liens, according to their own website and printed on the dispute results attached " A paid TAX lien remains on file for 7 years from the date released or upto 10 years from the Date filed, whichever is earlier ''. One lien was filed XX/XX/XXXX ( XXXX ) and the other was XX/XX/XXXX ( XXXX ) these accounts should not be on my records. 

XXXX continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. And they also refuse to delete inaccurate information that should have ultimately been taken off my credit file in time. I would like these deleted IMMEDIATELY as they are negatively affecting me as a consumer and violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this account on my credit report with Equifax only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Equifax. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am XXXX Militaty Vet and get paid at end of month. Called several times explaining situation to see if could get payment date moved to end of month so to stop incurring late fee every month! Seterus refused to work with me in any way! I was told to get one payment ahead I would n't have this late fee problem! Well if I had the money to get a payment ahead I would do that but I do not have the extra money!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.

Company response to consumer: Closed with non-monetary relief