vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned 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 " XXXX XXXX ''. 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 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CORELOGIC INC
State: WA

Complaint narrative:
This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus, Inc. ( XXXX ) falsified by credit report by reflecting no data for several months when I had paid every monthly installment due. When I was unemployed & could no longer pay, they modified my original loan to worse terms not disclosed. They continue to process payments extremely slow, attempting to cause late fees to be earned. In XX/XX/2016, I sent every payment certified, return receipt-it took a minimum for payments to be processed. They do not allow me online access to see any of my mortgage details. They are the WORST COMPANY AND XXXX pays them to be a provider!!!!! XXXX does not respond to any of these issues but MUST AGREE WITH THEIR BUSINESS PRACTICES..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all three reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I wrote to Equifax in XX/XX/XXXX, I asked them to Verify My account information, I had a Home Loan XXXX & XXXX which XXXX co. had reported Late FIRST in XX/XX/XXXX, I asked The Name & Contact info. to be provided, in XX/XX/XXXX, They stated it was verified, They Equifax also reported XXXX XXXX # XXXX they record high amount as {$9900.00} noted see copy of report says status charged off .. It is implied they charged off the whole {$9900.00} NOT accurate, The bureau 's refuse to verify information, they just send out canned letters hoping people will go away.. It is ok for them to post anything they want on your credit, The Law Says, The Credit Info. provider 's have XXXX days to provide corrected info. and its up to " US '' as consumers to provide Information, It is now XXXX days, they addressed Nothing.. The Fair Credit laws are clear, they do not intend on following the law. see copies to show how the information was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on mailpieces and credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpieces I received via United States Postal Service on XXXX XXXX, 2015. 
Furthermore, Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sent to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Equifax Inc. and its subsidiary Equifax Information Services LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Banks tell me I have home morgages open when I have never bought a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are several issues 1. I could n't get my free credit report because I do n't have Social Security Number. 

2. I 'm keep receiving " prescreened '' offers from lots of companies and I want to stop receiving " prescreened '' offers of credit from companies for 5 years but could n't do that because I do n't have Social Security Number. 

3. The name on prescreened offers is slightly different from my name. I guess the information in the credit report is wrong but I ca n't check it because I could n't get my credit report. 

4. I received a phone-call from a debt collector that I have a bad debt which I do n't know. 

The information that federated law ( debt collector ) told me : I have a bad debt for consumer credit card from XXXX which I did n't pay since XXXX. 

Fact : I entered XXXX at XXXX. Before XXXX, for XXXX years, I 've never lived in XXXX. So I did n't and could n't have XXXX credit card. I also checked from XXXX that there is no such record that I owned account before XXXX in XXXX. 

I appealed this to the debt collector and they sent me a letter and ID theft affidavit. The name on the envelope and the letter were same as prescreened offers, which is slightly different from mine. I doubt the " debt collector '' might be scam but the name on the envelope gives me a sense that my credit report might be wrong. 

5. For the reason I described above, I want to place a fraud alert on my credit report but I could n't because I do n't have Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: VT

Complaint narrative:
I have a hard inquiry on my credit reports with all XXXX major agencies from a comapny called Corelogic Credco. I have no knowledge of this lender nor did I give any authorization for them to run a credit inquiry on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have unauthorized inquires on my report, I call and sent letters with documentation stating that the inquires where not authorized by me.

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

Complaint narrative:
I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax , and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my Equifax Credit Report, the account " XXXX XXXX XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir/Madame, And thank you in advance for your courtesies and assistance. In applying for a student loan I noted that from one moment to the next I was denied. My initial application stated that I needed a co-signer, and in the interim of providing that information, I was notified that a loan was not possible. As this bank just provided a loan for last semester, I was rather flummoxed as to why I can not obtain a loan, especially with the very same co-signer, who has a slew of accounts at the bank, most of them holding the maximum insurable by the government. 
Upon further investigation, I noted that my credit report included NONE of my employment history! NONE! How could this have been possible? They have page after page of other information, but a VITAL piece of information such as employment is rather difficult to fathom. I have been working steadily and consistently since 2008, full time. And there is not one mention of any employment whatsoever. It pains me to realize how error-ridden this report is, and how long it has been going on. I never checked my credit report, and that is my fault. But to have such an erroneous notation! NO EMPLOYMENT HISTORY. Only a slow and focused review will illuminate the many errors lurking beneath. I hope to amend this complaint whence such a review can take place. I am forwarding this as quickly as possible, in essence of time, and to get the issue resolved. 
I thank you immensely for your time, your courtesies and your assistance, and I look forward to hearing from you once you have had time to investigate this matter further. I bid you a good week, and more importantly, lovely evenings when you arrive home. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My loan is currently with Seterus Servicing. I tried to do a short sale in XXXX of 2015 which was declined. I then vacated the premises on XXXX XXXX, 2015 and notified XXXX of that fact. They sent me XXXX modification agreement in XXXX of 2015. I called them and decli8ned. again advised them I vacated the premises and they should initiate foreclosure proceedings. I did n't hear from them except for the occasional statement and XXXX letter advising me that I was declined for assistance. I never asked for assistance..In XX/XX/XXXX I was sent a Notice of Default. Since then, I have been inundated with calls asking me if I want the modification. That would be the modification that I never received and have told them verbally I did not want. I was called on XXXX XXXX. I advised them I did not want the mod, I was n't living in the house an proceed with the foreclosure. On Saturday. 3 days later, I received another call asking me my intention for the house I again told them I was n't living in the house I did n't want any assistance and proceed with foreclosure. This morning, 1 business day later I received another call. I called them back and again told them I wanted no assistance. I also asked why I was receiving daily calls when contact was made and she advised me that because I am in a trial ( what Trial? ) the calls could not be stopped. I told her that it was harassment and she stated that they were within their right to call me every day as long as I was in a trial I did n't want nor never asked .Is n't this against the fair debt collection practices act?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit collection company showing account for XXXX XXXX XXXX on my report and my wife 's report. We have contacted XXXX XXXX XXXX and no response so far. Need help in removing this collection of our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax will not send me my annual credit report. I have requested this several times. I have n't received a credit report in over 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I HAVE NEVER, EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX BANK. I HAVE NEVER HEARD OF THEM BEFORE. I NEVER OPENED AN ACCOUNT WITH THEM. I HAVE NO CLUE HOW THIS ACCOUNT SHOWED UP IN COLLECTIONS ON MY CREDIT REPORT WITH BOTH EQUIFAX AND XXXX XXXX. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait

Company response to consumer: Closed with explanation