vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
Seterus, Inc. has had my loan for the past two years. They have not XXXX treated me like I was a valued customer, just another number, a nuisance, gave me only the information that I could think to ask for at the time, and never let me speak to management when I was dissatisfied. They treat me like a XXXX citizen, payoff requests take two weeks, and I have been trying to refinance since XXXX of 2014. They did not disclose that I showed delinquency, which delayed my refinance, they made it impossible for me to get a simple process completed without jumping through hoop after hoop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I 've disputed these accounts several times and they keep stating they have verified them even after I sent a debt validation response from the data furnisher stating they have not reported any accounts to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am protected by chapter XXXX bankruptcy laws from having any of my creditors reporting me as delinquent and the balance due should reflect the court order. in the case of cenlar financial that balance due should be XXXX and no late payments. the same goes for fnb omaha. These XXXX creditors note that it 's a chapter XXXX wage earner plan but show that I am late and in arrears from 2013 when my bankruptcy was confirmed.My information is reported accurately by XXXX but inaccurately by Equifax and XXXX. I have tried to discuss this with them but am getting nowhere. I am trying to do an fha streamline to help my situation and this inaccurate information is a detriment to my credit and is preventing me from moving on.I believe that they are in contempt of the fair credit reporting act because i have made all my bankruptcy payments to my trustee on time and have not missed any.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX & XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Equifax, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my HIPPA rights also the FCRA..

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

Complaint narrative:
I have contacted Equifax on numerous occasions concerning all the inaccuracies that I 've disputed on my credit file for re-investigation and after several times, finally so I thought everything was deleted for good that did not belong to me. I received a letter in the mail XXXX/XXXX/2015 stating that Equifax has added the Bankruptcy back to my credit file. I did have a fraud alert on my credit file with all XXXX of the credit reporting agencies that lasted 90 days. I am outraged and want something done concerning this issue. I would like to see were my name is on the bankruptcy papers. I am also filling a complaint against Equifax, XXXX XXXX and XXXX for not updating my credit score that I have work so hard to bring up. I sent all XXXX credit bureaus certified mail receipts out on XXXX/XXXX/2015 and still to this day, have not heard any response back from them.The only response I received back was Equifax stating they have added the bankruptcy back to my credit file. They are breaking the law with the Fair Credit Reporting Act ( FCRA ). Not only them errors but because of all XXXX of the credit bureaus did not update my scores, it has caused me denials of applying for credit again.This has really hurt me in more ways then XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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 inquiries on my Equifax credit report that I did not authorize. The inquiries are from XXXX, XXXX XXXX, XXXX XXXX, XXXX Credit card, XXXX, XXXX, XXXX, and XXXX. Please have these inquiries removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Received an alert from Equifax on XXXX-17 that XXXX was removed and then reinserted at the same time dropping my credit score XXXX points.I have been disputing this account for months. I have no contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a tax lien reporting on my equifax credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with equifax. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they keep refusing to remove this and telling me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting equifax! It 's hurting ME! Its literally keeping me from obtaining credit at certain places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent a letter to Equifax on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from Equifax that provides information about inquiries although it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted Equifax on XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I have since contacted each creditor by phone and by letter. When contacting by phone I was advised that I need to send a letter so I proceeded with the letter. I have not received a repspone from the creditors so I contacted Equifax one more time to state that I contacted the creditor and that I have not heard anything. I was advised to allow additional time even though it has been 30 days with no response. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed an account on my credit report several times. The account does not belong to me. I have contacted the creditor and the credit reporting agency. Neither has resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Two months ago I sent in a dispute to Equifax. They did not reply and have not cleared disputed entries. As a result I was denied a credit card XXXX. I included all relevant information including a current drivers license as proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The XXXX XXXX XXXX 's Activity Designator Should be " Closed ''. It currently has NA - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate. 

Please delete the comments, and ensure the HIGH CREDIT is reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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 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
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying for the last 2 weeks to obtain an SSI Statement so that I may start the process to file for SSI insurance. However each time I try to access the system I am rejected due to incorrect information. I spoke with SSI and was told that he information used to verify my identity is done through Equifax and was given a number to reach someone there never the less all I kept getting was an automatic system which was no help. I went online to obtain a number for Equifax so I could speak with an customer service agent and I got someone name : XXXX who basically tells me my name is incorrect even though on my credit report I get from them I can see my name listed as though it is an fraud. I was married in XXXX and had my last name changed legally all documents Social, ID, tax returns, home lease, utilities, and employment are under my marriage name. But since Equifax has not updated the information and this is one of the main credit bureau that companies use it is like I am using fraudulent information. I was told that my information would not be changed until I submitted information to them but when asked for the address after having to request to speak with a supervisor who I was told would not speak to me I was given the following address : Equifax XXXX, XXXX XXXX Ga XXXX the correct address listed online is Equifax Credit Information Services , Inc XXXX. XXXX XXXX XXXX, GA XXXX .Maybe it is me but it seems as though there is some information missing from this address I repeated and asked at least 3x times if this was correct. I feel like the way the customer service agent handles calls was definitely not correct. The incorrect information which is listed for me is affecting paperwork which I need to have submitted. Also the fact that the supervisor was eager to get off the phone rather than assistant me with finding out how to get all my information updated correctly makes me feel really worried. I have seen a couple of things listed on my credit report concerning auto loans which I know I have not applied too or for. The last time I applied for an auto loan was in XXXX so I do n't know who I can speak with concerning this matter either all the other credit bureau handles these matter quickly, but not Equifax. I need Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for a loan and the loan officer pulled my credit and received XXXX credit scores. One was significantly lower than the other two- Equifax ! Not only is a lot of the information on Equifax outdated. They had no idea I bought house and had changed addresses three times since the address they had on file until I told them. Now my problem was with communication. Apparently they outsource their customer service to foreign countries because the language barrier was unbearable. I was not only disrespected by the rep requesting all my confidential information, I was ill at ease with having to provide any information to a person I was having serious trouble trying to understand. Equifax should be required to be as consistent with updating information as XXXX and XXXX. And! This is America! Why is it the only people outsourced to provide Americans assistance with their privileged information is the same voice calling from XXXX saying my computer has virus and they 're calling to help? Where is the accountability? After speaking with a rep at Equifax for 40 minutes nothing was resolved. I felt forcibly violated by having to provide my information to people I could not understand and could n't provide me with assistance. Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a private student loan. The representative indictaed to me that i had forbearance time available to bring my account current which would avoid any negative credit reporting. She emailed me the documents, in which i faxed back on time. I expected my account to be brought current however it was still reported negative past due for 60 days although XXXX specifically told me to fax these documents and i would be all set. I check my credit weekly and noticed that XXXX XXXX XXXX the creditor whom is partnered with XXXX which houses the loan reported my account 60 days past due. When i contacted them they told me there was nothing they could do and apologize for the misinformation. This is extremely wrong and shouldnt be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never been to California. Someone has used my name and information in CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to use the annual credit report website. I was able to get my XXXX and XXXX reports, but Equifax kicked me out, instructed me to use a paper request with unduly complicated instructions and then when I went to try and access it through the annual credit report website, displayed a screen falsely saying that I had already accessed my free report for the year. I attempted to call them and their automated system is useless.

Company response to consumer: Closed with explanation