vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XXXX XXXX, 2016 Equifax re-inserted a public record ( Chapter XXXX Bankruptcy Discharged ) to my credit report, I have not received notification of the re-inserted information as required by law. Equifax has violated the law and is required to remove this item from my report immediately. I just spoke with XXXX XXXX XXXX XXXX at Equifax that verified that this information was inserted without proper notification. If Equifax does not remove the item immediately I will follow a small claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX XXXX, I was notified by XXXX that they were canceling my long-term credit relationship because of information contained in my credit bureau file. After having a long history of good credit, this concerned me enough to have my credit report pulled by all three agencies. XXXX was the only bureau that was accurate. Equifax and XXXX both recently reported a collection item from XXXX XXXX XXXX ( creditor was XXXX XXXX ). Since I have never had an account with XXXX, I tried to get resolve it via phone conversations. I was bounced between the Collection agency and the creditor with no resolution. I then wrote letters to both credit bureaus via Certified Letter. I got a letter back from Equifax ( Confirmation # XXXX ) saying, " We have verified that this item belongs to you. '' I was finally connected by XXXX XXXX XXXX, Executive Customer Relations, XXXX, Northeast Division. XXXX XXXX asked for my social security number and agreed it did not match the account. However, he said he " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' Apparently the cable account was established at an address I had previously lived at with my ex-wife XX/XX/XXXX and XX/XX/XXXX. I moved out in XX/XX/XXXX and moved to XXXX XXXX XXXX, XXXX ( later changed to XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX system ). I strongly believe the XXXX credit bureaus started blending my file at that point because the XXXX XXXX address plus new addresses I have never established nor lived at started appearing on my credit reports. FACTS : 1 ) I have NEVER had an account with XXXX ... at any location! 2 ) I have not lived at XXXX XXXX XXXX, XXXX since XX/XX/XXXX and this account was apparently established way after that time period. XXXX ) I have never established nor lived at any address in XXXX after XX/XX/XXXX other than XXXX XXXX XXXX, XXXX. From there, in XX/XX/XXXX, I moved with my wife to XXXX, XXXX. In the meantime, XXXX, doing their due diligence, did another investigation and finally recently deleted that collection item from their report. I encourage you to contact them to see what their decision was base on so that this issue can be resolved without proceeding to my next step ( contacting my Congressional Representative and Legal Counsel. ) After months of back and forth discussions/letters between me, the collection agency, the creditor and Equifax , I have NO idea how they can legally tie this account to me when I did not live at the address the account was established under, the social security number established with this account is not mine. They gave me no information on what they believes ties me to this account. I can, however, provide proof to a lawyer, if need be, that this account IS NOT MINE.

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: KS

Complaint narrative:
Not sure every account on my credit report are mine. I 'd like proof that these are mine with my signatures!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed bankruptcy reported on credit report. Was advised the information would be removed. After several months the information remains and negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
SETERUS INC is reporting a delinquent account. XXXX XXXX on my credit profile that has exceeded the statute of limitations. The account was to be remove XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
When I divorced, my ex-husband was given ownership of our house and the debt associated with it. He, however, never removed my name from the mortgage and when he died and it went to collection, my credit rating was damaged. I have contacted the company with the divorce order but they said it does n't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Equifax last week I was speaking to someone as their system went down. I was on the phone 30 min trying to see what this account was. I asked the Equifax representative to send me documents that they had on file that they used to verify the accuracy of the above account. I have yet to receive anything Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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 open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX 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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/16 I mailed a letter to Equifax requesting all things on my report be validated on my credit report with original documents with my signature other wise it should be deleted off my report. These accounts were not verified with proof and remain on my credit report I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted several request to Equifax about XXXX account that was paid in full. They claim they researched it but I do not believe them. I have a letter from company saying its paid, however, Equifax says they spoke to creditor and it 's not. I think they are not looking up information. The company wrote me a letter because of this issue. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned by the fact that I have NEVER received a FREE Credit report from Equifax ... I have had to PAY for them ... and on an ON GOING Basis. WHY IS THIS? This was the only way I could receive it online. Is that standard practice? I was so desperate to see what my report looked like I DID Pay, both my dad and I. Once for {$15.00} on XXXX 2015 AND again on XXXX/XXXX/2015. The site said " Failed '' and the only way I could get it was by PAYING For it! XXXX XXXX TIME THIS HAS HAPPENED ) I want to know why I could not have access to my report without having to PAY for it, more than {$30.00} in less than a XXXX month period? 
And Possibly be reimbursed since I never received a XXXX Copy this Year. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX XXXX, 2015 I have been a victim of identity theft. I have subsequently over XXXX fraudulent disputed just this year alone. I also have approximately ( XXXX ) disputed still outstanding and awaiting for the response. through out this process, I have had a very difficult time with regards to conflicting information from both the Equifax Fraud department as well as their Office of Consumer Affairs. As of Wednesday, XXXX XXXX, I reached out to the Equifax Executive office to ask for help with all of the inaccurate information, due to Equifax 's ' own negligence particularly with the Office of Consumer Affairs, ( contact dealing with my case XXXX ), that I felt I needed help from someone with the autonomy that could actually right the blatant disregard exhibited by Equifax to date regarding my credit file. As of today, I have been dealing with XXXX XXXX XXXX ( Office of Executive Consumer Affairs ) to whom has now reinserted an account that was previously disputed as fraud in XXXX 2015 and subsequently deleted permanently from my file on XXXX XXXX, 2015. Since XXXX XXXX has taken over my investigation, she has made numerous acts that clearly violate the FCRA. The most recent of which has now reported on my credit file as of today, XXXX account XXXX XXXX XXXX XXXX. This is just XXXX example of her negligence. This is a violation that needs to be addressed immediately. I have attached a copy of the credit report that shows the deletion of this account ( Confirmation # : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are not mines. 

Inquiries XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion 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 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 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. They said that they would delete them all but only some were deleted. And I never received an updated credit report.

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 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont have credit card XXXX XXXX XXXX in my name and Social security

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to me.

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 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The company removed information pertaining to fraud on my credit report and has made the information inaccessible to. Furthermore the company has refused to remove addresses that are posted fraudulently on my credit report and has demanded personal identifying information from me.

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.

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 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly.

Company response to consumer: Closed with non-monetary relief