vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a federal tax lien reporting on my account credit report. XXXX. This item was disputed on XXXX XXXX and without doing any investigation, Equifax came back on XXXX XXXX updating the lien to released which is n't true. We disputed the same item with XXXX and the item was deleted off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed bankruptcy in XXXX 2015 it discharged XXXX 2015. Per my XXXX credit report it reflects XXXX XXXX XXXX XXXX XXXX XXXX account were closed XXXX/XXXX/2015. Per the Equifax XXXX credit reports the accounts still reflect open. I have contacted both XXXX and Equiax and requested to have the information updated per the XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am writing this complaint with the assistance of my attorney. I am a victim of a mixed filed error. XXXX XXXX XXXX XXXX XXXX obtained a small claims judgment in the XXXX XXXX XXXX against a XXXX XXXX of XXXX XXXX XXXX in XXXX, NH ( See attached copy of complaint ). I am XXXX XXXX XXXX of XXXX Watersedge XXXX in XXXX, NH and I have never lived at XXXX XXXX XXXX. XXXX and Equifax inaccurately placed this public record information on my credit report. When I discovered the error the week of XXXX XXXX, I did a telephone dispute with both CRA 's and XXXX removed the inaccurate information ( See attached XXXX response ), but Equifax verified it ( See attached confirmation No. XXXX ). I called XXXX and complained and it represented that it was not reporting this debt under my social security number and gave me the last XXXX digits of a social security number that concerned the person who lives on XXXX XXXX, and not at my address. I am about to apply for a parental loan for my daughter 's education and the adverse information on the Equifax report will cause me damage of either being denied a loan or being charged a higher interest. It is important that Equifax stop reporting this inaccurate information and immediately remove the XXXX judgment from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 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
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I noticed an entry on my Equifax credit report from XXXX XXXX XXXX Acct # XXXX, whom also goes by the name " XXXX '' and promptly disputed it. On XXXX, I received a response from Equifax stating they had " Verified '' this account. On XXXX, I sent a request for validation from XXXX XXXX XXXX and have not received a valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After going into a dealership to look for a vehicle, found out later when I had my credit checked on my account with XXXX that the dealership had pulled my credit XXXX different times from XXXX. I never read nor did I ever see any agreement or paperwork showing that this was going to happen. No one went over or showed me a finance application. I now have these hard inquires on my credit that have messed up my score. I sent a certified letter to the dealership asking for the proof of my consent to pull my credit XXXX times. They sent back a response showing a print out of the salesman 's application he filled out on his computer that I never was showed. But when they sent out the application it clearly reads in their agreement statement that they are required to let me know the creditor and address of who they share my credit with. I was never presented with any of this information and have been taken advantage of. I sent back a certified response explaining the conditions, the dealership never responded back, I gave them over 30 days, now I want to take action against them. I have attached all corresponding letters with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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:
I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
took out a loan from XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full XXXX XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed a XXXX dispute in regards to XXXX the which is in regards to XXXX XXXX. This issue has been going on for months. I contacted XXXX XXXX myself plus optimum outcomes because optimum outcomes told me back in XX/XX/XXXX they never received a dispute from Equifax. Which I have the recorded calls from XXXX people at optimum outcome telling me they never received a dispute from equifax which was in XX/XX/XXXX. I got a letter from XXXX XXXX which states the info is not available. XXXX and XXXX have deleted this from my file. But, Equifax keeps putting this off.They have this letter I sent to them from the creditor and they tell me it 's not enough information. Everytime I call equifax I get a different answer from a different person which all these calls are recorded. They are not trying to fix this they do n't care! They are also trying to tell me they have until XXXX XXXX on this XXXX dispute which is incorrect! I told a customer service rep over the phone that it was disputed. Also my XXXX letter was dated XXXX XXXX, 2015 so the phone call was before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to thank your office for the swift response to my initial inquiry concerning XXXX , XXXX and XXXX XXXX XXXX XXXX. Per your request this is my formal complaint against the above listed companies for their business practices. 
I recently applied for a to a bank for a loan that would significantly reduce my interest rate, on XX/XX/2016 I discovered that a judgement that I had no knowledge is on my credit. I subsequently contacted the XXXX major bureaus XXXX, XXXX, EQ and proved to them that this debt is NOT mine, I have never received any financial compensation or benefits from this card. 
I am sure that XXXX XXXX is very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. 

I request that you contact them, demanding they provide me with copies of documents proving that I was properly served a subpoena for that judgement in question. 

I also request CACH validate this accounts account according to the FCRA. 
Validation of the debt must include What the money you say I owe is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay you what you

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 — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute this debt on my credit report from a company called XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with Equifax but Equifax claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked Equifax to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company. I have been trying to dispute this online and Equifax states that i can only do this over the phone and they stated i cant request of my credit report online indefinitely. I have tried to order my report and the system never allows me to order it. I have provided proof of my identity to them over a dozen of times since they keep asking for it. I have provided my XXXX drivers license, my social security card and a utility bill as well. Equifax refuses to let me monitor my credit online ever. They are well aware that i was a victim of identity theft and i have placed a security freeze and a fraud alert as well yet they refuse to address this fraudulent account. I have highlighted the account in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX county recorder shows a lien file XX/XX/XXXX with a balance. an individual chapter XXXX bankruptcy XXXX debt in 11/2014. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX XX/XX/XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been contacting Equifax for my Annual Credit Report and they refuse to send it to me by saying that their record indicate that they have already sent my credit report for this year, but I have never received it. I had no problem with XXXX XXXX neither XXXX, they sent me my credit report without no problem. I can not see my credit report online on equifax system because no of the question belongs to me. I have been contacting Equifax since XXXX to have them to send my free credit report, but as today XXXX XXXX I still have n't received my credit report from them. They just say they will send and nothing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
As property owners of XXXX XXXX XXXX XXXX, XXXX GA. XXXX, my wife and I decided to change our homeowner insurance policy from XXXX XXXX to XXXX XXXX XX/XX/XXXX. We submitted the documents that were asked of us. Then we trusted that the insurance company and mortgage company would act with our best interest, and had informed of us of all steps needed. 

We released permission to Seterus ( the mortgage company ) to pay the new homeowner 's policy to XXXX XXXX. XXXX XXXX sent a letter to us on XX/XX/2016, stating that due to non-payment the homeowner 's insurance policy was cancelled. 

Unknowingly to us, Seterus had paid XXXX XXXX on XX/XX/XXXX for the policy. Then, they paid XXXX XXXX as well for on XX/XX/XXXX. We did not receive notification from XXXX XXXX that the policy had been reinstated. Nor did we receive notice from Seterus that they had paid XXXX XXXX, and also paid XXXX XXXX. As the homeowner, we were unaware that we had XXXX policies on our home. 

XX/XX/XXXX, Seterus sent a letter to us, stating that we owed approximately {$1900.00} for a deficit in our escrow account. When I called Seterus, they were not able to provide an explanation of why there is a deficit. The letter stated that we could either pay the {$1800.00}, or we they would increase our monthly house payment from {$740.00} to {$940.00}. 

I became aware that there were XXXX insurance policies for XX/XX/XXXX when I received a renewal policy from for our homeowner 's insurance from XXXX XXXX for the XXXX year. I contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are also currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted Seterus who confirmed that they also have on record that both, XXXX XXXX and XXXX XXXX are providing insurance policies on the property known as XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. Paying for the XXXX policies out of our escrow account is causing my family punitive damages, for a situation that was out of our control. 

I would like for Seterus to return the amount of {$610.00} to our escrow account and apply the additional monies paid each month above the {$740.00}, to the escrow account associated with the mentioned property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX 2012 My husband and I take root bankruptcy, and in my credit report that is included in the bankruptcy occurs, I need that remove such information from XXXX, also it appears I started working when I 'm disable and not job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing with Equifax since the mid XXXX XXXX regarding these accounts. Both XXXX and XXXX have made corrections I filed bankruptcy XXXX XXXX and discharged the first and second mortages from XXXX and XXXX. The ex, who became legally responsible for payment at that time, made several late payments in XXXX. Equifax has continued to report these XXXX late payments on my credit even though it is illegal to report on accounts discharged in bankruptcy following the bankruptcy. This is a direct violation of the injunction of my bankruptcy from XXXX. It is nothing short of criminal behavior, and Equifax continues to stall on revocation of their reports, causing me to lose opportunities to make future financial agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
*** PLEASE NOTE : I have sent copies of my ID, Social, and Utility Bill previously. So please do n't ask for copies again, this is a tactic you use to avoid having to investigate the items I am disputing. Because I have already sent these documents by certified mail, if you refuse to investigate or ask again I will assume this is a refusal to investigate and will sue in small claims court as I have proof this was previously sent by certified mail*** Complaint : I previously disputed an item appearing on my credit report as identity theft. Equifax has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed accounts are : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I have sent a previous dispute to you from your Equifax site, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items properly. My previous dispute stated my reasons for an investigation and these reasons were not frivolous in any way. 

The FCRA requires you to verify the validity of the item within 30 days. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area ( XXXX County ). 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are XXXX writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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:
equifax has not responded to any of my documentation and disputes relatinf to old files medical collections that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent them a police report case # XXXX confirming ID theft that has continued from XXXX ID theft ( or a new case of ID theft ). With items that did not belong to me. They did remove some items, but have not removed all items. I also sent them copy of bankruptcy papers from XXXX County courthouse advising the XXXX bankruptcy was dismissed at the fault of attorney ( and the judge noted in documentation i sent to them advising the attorney was at fault why bankruptcy case # XXXX was dismissed. The XXXX bankruptcy case # XXXX that showed filed by me XXXX/XXXX/XXXX ( WAS NOT FILED BY ME ) and in fact by the attorney ( I NEVER CONSENTED TO THE XXXX CASE FILED ). PLUS I SENT THEM COPY OF BANKRUPTCY FILE THAT STATES THE JUDGE ADVISED AND SCOLDED ATTORNEY FOR FILING A XXXX BANKRUPTCY WITHIN 180 DAYS ( WHICH BROKE BANKRUPTCY LAWS AND RULES OF THE 180DAY RULE FOR FILING BANKRUPTCY IN FLORIDA ) THE BANKRUPTCY PAPERWORK FURTHER STATED THAT THE JUDGE SUBJECTED THE ATTORNEY TO A " SHOW CAUSE HEARING '' IN REGARDS TO THE CASE IN WHY HE SHOULD NOT IMPOSE FINES AND/OR INCLUDING REVOKING ATTORNEY 'S LICENSE WHICH PROVED I NEVER CONSENTED TO XXXX BANKRUPTCY AND THAT SHOULD HAVE BEEN EASY TO VERIFY GOING ALSO ALONG WITH BANKRUPTCY LAWS FOR FLORIDA STATING THAT A XXXX BANKRUPTCY CANT BE FILED WITHIN 180DAYS FROM ONE ANOTHER. EQUIFAX ACTUALLY REMOVED THE XXXX BANKRUPTCY AND FOR SOME REASON ADDED IT BACK FEW MONTHS LATER WITH NO EXPLANATION AS TO WHY, NEITHER OF THEM SHOULD NOT BE ON MY CREDIT REPORT. I ALSO SENT NOTORIZED LETTER IN XX/XX/XXXX IN WHICH I ASKED UNDER FRCA SECTION 609 FOR THEM TO PROVIDE ME AN ORIGINAL CONTRACTS BEARING MY SIGNATURE OR DELETE AND THEY REFUSED TO DO SO. WHEN YOU CALL YOU SPEAK WITH SOMEONE IN XXXX WHO TRANSFERS YOU ALL OVER THE PLACE OR EITHER DISCONNECTS THE CALL.

Company response to consumer: Closed with explanation