vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax numerous of times through phone calls and through XXXX certified letters. No response from Equifax!! Pertaining to my Chapter XXXX Bankruptcy that has been placed on my credit report. I understand that my bankruptcy remains on my public report. The U.S. Bankruptcy Court and credit bureau are not affiliated in any manner and the court is unaware of their process and or procedures for reporting or removal of information from a credit report. In addition, the U.S Bankruptcy Court does not report or verify information with the credit bureaus. The credit bureau have their own procedure for retrieving information from the public record of the U.S Bankruptcy Court and the court has no knowledge in this regard. I ask Equifax to validate ( XXXXx 's ) with the United States Bankruptcy and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. After, the XXXX attempts and no response, because they ca n't show me proof with my signature. Failure to respond satisfactorily within 30 days, will result in a small claims legal actions against the company. I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation. I formally request that this information be immediately be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 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:
Freeze placed on credit report with Equifax ; written letter with handwritten signature, copy of driver 's license, PIN to unlock freeze, listed handwritten date of birth, social security number and credit card number/expiration date with consumer name and billing address for associated temporary lift fee submitted via USPS certified mail XXXX/XXXX/XXXX with instructions to temporarily remove freeze from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, mortgage company given permission by consumer to access credit report states security freeze remains. Attempt to remove credit freeze via telephone system by consumer also denied and recording indicates can not be completed via this method. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX to XXXX. XXXX XXXX, XXXX, Georgia XXXX, indicates Equifax received written request XXXX/XXXX/XXXX. Upon looking at Equifax website for a former dispute, freeze remains with statement of 'legislative security freeze in place ' ( see photo ). Not only was written request submitted and received, but Equifax CONTINUES to not follow written request and deny consumer the right of allowing lift to be placed and removed upon her discretion. Consumer feels Equifax is purposely withholding credit report as a form of retaliation to consumer for filing complaints with CFPB due to their reporting practices and has placed consumer 's file in " Special Handling '' services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sent in a letter to equifax to have them verify everything they had for my XXXX XXXX accounts and XXXX account and not to just send back item verified but to send all the documents they had on file used to verify it and if not received within 30 days under the fair credit reporting act it must be deleated off my report if failed to send the documents, so I want the accounts deleated asap and not wait for it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,15 U.S.C 1681g, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA 15 U.S.C. 1681i all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX No documentation was mailed to me that was in your file. The 45 day period has expired and by law these accounts must be deleted. Just sending a letter stating verified is not enough. I requested documentation. I did not received a single documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I filed a chapter XXXX bankruptcy that was discharged on XXXX/XXXX/2008. I had a home equity loan with XXXX XXXX XXXX that was included. It is showing on my Equifax credit report as being reaffirmed. This account was never reaffirmed. I have disputed this with XXXX and Equifax several times and it is still reporting as being charged off after being reaffirmed on Equifax. The account needs to be removed from Equifax due to the bankruptcy was over 7 years ago. This account has been removed from XXXX and XXXX but still Showing on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX a past creditor requested the removal of my information from Equifax. It was removed then placed back on my credit report on XXXX. 
Only part of the information shows up now. I called Equifax numerous times but they refuse to call the creditor and/or accept the letter from the creditor that was set out when they requested the removal. Instead they tell me to contact the creditor. 

I have called numerous times. Just today I called and was placed on hold for over a hour. When I called again I was told they closed a few minutes before. This is the worst customer service I have ever experienced in my life. 

XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies, but Equifax keep showing the old information. I have letters from the creditor and no one is willing to assist me. I have been denied a loan twice due to this issue. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
An item appears on my credit report from XXXX XXXX XXXX and I am not aware of ever receiving services from the original creditor XXXX of XXXX. The contact information including phone number are not correct as the business has closed and phone number is to a towing company. They are not able to provide me with correct contact information yet they can verify the debt with a company that does not exist any longer. The original creditor is also no longer in business. The only resolution I get is to file another dispute. When asked why they can not put me on hold and call the company they continue to tell me they will file another dispute. If I am not able to conact a person reporting negative information on my report to get information how can they legally continue to report it. The response is that the origianl company has my name and information correct so it will remain. This is very frustrating that credit scores are held in such high regard, but accurate record keeping and providing basic contact information is not. I have repeatedly asked for updated information or to have the item removed from my report. Once again, the answer is file another dispute and wait 30 more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
Seterus has not explained and described in detail their fees or attempted to ever assist us in helping our mortgage. Seterus has ruined our lives and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to get my the results of my credit investigations from Equifax since early XXXX. I have written several follow-up letters, and filed complaints, but I still have n't receiveced it. I just do n't understand why Equifax can not or will not send me the results of my credit investgations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has been manually updating my credit report as part of numerous disputes of inaccurate data and credit reporting. There are over XXXX complaints through this portal alone. 

I attest that I am XXXX XXXX, and the owner of all verbiage in this complaint. I do NOT agree to have this complaint dismissed through this portal, as this is part of the trend of inaccuracies I am being forced to identify and remedy. 

The XXXX - Lost Stolen Card account is now incomplete. FCRA - states that such an inaccuracy must be deleted. 

Account is not complete, and therefore is inaccurate, Equifax updated this account manually. 
No Account owner is listed No Terms The Type of Account is inaccurate - and is now blank High Credit has been orphaned - and is now blank Credit limit is not correct - its now now blank Activity Designator must say closed, and it does NOT, for a lost or stolen card The Payment History - has been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX myself and XXXX other roommates leased a house for a term of XXXX year. During this lease the property fell into foreclosure and was bought by XXXX. When XXXX purchased the property they gave us the option to sign a new lease with them or they offered to honor the existing lease terms. My roommates and I decided to honor the existing lease that we had already signed which contained an {$1100.00} security deposit. There was no written agreement of any sort between XXXX or myself stating that they had decided to honor the previous lease. On XX/XX/XXXX we signed an " Intent to Vacate Notice '' which was then sent to XXXX. We received correspondence XXXX XXXX on XXXX XXXX stating he would conduct our check out inspection and that he would be leaving a key box on the door the following day. We never received a copy of the move out report and have been charged {$410.00} for property damage. I never received any notice by mail, email or phone about the damage. I XXXX became informed after XXXX XXXX a debt collection agency out of Florida called me and requested that I pay this debt. I received several phone calls about the debt and had asked to be sent a copy of the invoice for what XXXX was charged for said property damage. They claim that they sent a copy via mail in XXXX which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed this misleading information Equifax removed it back in XXXX or XXXX of 2015. Then they reinserted XXXX different public records on the same day in XXXX 2015. I sent them copies of my identity theft report and they removed XXXX items. This is frivolous credit reporting by Equifax. How could they dis- regard the identity theft report I sent them twice. This is very stressful, and costing me a lot of money in extra high intrest rates. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 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:
EQUIFAX NEEDS TO UNBLOCK MY CREDIT REPORT FILE OR FIX MY CREDIT FILE. I APPLIED FOR A LOAN AND THE CREDITOR WAS UNABLE TO GET A REPORT FROM EQUIFAX. THEY NEED TO FIX THIS ISSUE THAT HAS HAPPENED MANY TIMES BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have Judgement on my account that was on there, but it was paid in full it should never been on my report, Its all paid tax lien, it was on my credit by error, then deleted now its showing up again, my life has been place on hold for the error 's reported

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have applied for a mortgage refinance. My credit scores on XXXX and XXXX are excellent in the mid XXXX 's. There is a credit freeze on the Equifax system. So far I have been unable to have this removed as they either will not or can not send me some XXXX digit code. I 've written to them, sent the money and have scanned all their on line info. All their phones are automated. Today I received an automated message advising I had no credit file. I need the freeze released permanently as my rate lock will expire. I have been working on this issue since XX/XX/XXXX. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In my previous complaint Equifax states " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX XXXX and/or XXXX XXXX XXXX are not reporting on the Equifax credit file. Written confirmation has been mailed to you. " This is not true as of XXXX/XXXX/2016 as the item still is being reported on my equifax credit file per the attached screenshot of my Equifax credit report. 

Their original statements do not match their action.

Company response to consumer: Closed with explanation