vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/2015 I have been in dispute of fraudulent accounts that have been opened in my name. I contacted all three credit bureaus and notified them of my situation. They requested for me to file a police report and send them my identity theft report, both of which I have done. XXXX and XXXX have since removed the accounts from my credit report but Equifax has refused to remove them. I have called Equifax about XXXX times in the last three months and have spoken to many different departments in hopes of getting these fraudulent accounts removed. I have been trying to join the U.S mil-tary since XX/XX/XXXX and have not been eligible due to my credit report have theses fraudulent accounts. I have explained the urgency of my situation to Equifax but they give me the run arounds and keep asking me to send them the save documents I have already sent over 6 times both by certified mailing, fax, and on their website. I have filed a smalls claims against Equifax with a court hearing scheduled on XX/XX/2015 because they are causing me damages and defamation due to their refusal to remove the fraudulent accounts. 

I ask your agency to please assist in contacting Equifax about how they have been handling my investigation and having them due their due diligence properly. At this point, I am missing out on loss income due to not being able to enlist in the military. Please help me as I only want to have these accounts removed from my file. I will be attaching the last documents I have sent to Equifax legal in regards to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lost my wallet my social security card and my greencard is in there please let me know if someone using my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has not investigated any of my accounts - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Equifax has not removed them. Equifax lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As my husband and I near the discharge of our debts after four long years paying a chapter XXXX, our indebtedness will be over XX/XX/2016, and we are making a diligent effort to repair and restore our credit as much as possible. Both on line and over the phone, the program times out before I can complete the application, or just when I am ready to hit the submit button. Via phone, the system is automated and I can not reach anyone over the phone. It is frustrating to keep entering the info on line, only for a system error to pop up then I have to repeat it over and again. I have told both Equifax and XXXX over and over that they are reporting incorrect information regarding our mortgage and that we have been late just once, and on the smaller mortgage, we were stripped of it via bankruptcy. They wo n't listen, and keep reporting inadequate information. We ca n't get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax Credit Bureau continues to allow XXXX XXXX to report fraudulent information towards my credit report. I have filed several complaints concerning this issue. My Equifax credit report has this account as a " charge off '', delinquent, and 90 days past due 26 times. This account was included in a chapter XXXX bankruptcy on XXXX 2011. The account has been paid in full. My complaint is with Equifax for allowing this company to report fraudulent information. I 'm requesting to see the documents Equifax received from XXXX XXXX concerning this account. In addition, Equifax has two XXXX 's accounts listed on my credit report. I had only one. The bankruptcy is public record and had Equifax done a thorough investigation, I would not be having to file another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I checked my credit report on creditkarma. Both XXXX and Equifax showed a " legal item '' on my public record. I contacted them both. Only XXXX corrected it, Equifax did not. Somehow my fathers " legal item '' reference # XXXX found it 's way onto his son 's ( my ) credit report. I can see how it happened as I am the XXXX ( XXXX ) and he is the XXXX ( XXXX ) so we share the same name just different XXXX. also I currently live with my parents so I share the same address. but I 've never had student loans, home loans, or new car loans. also all my credit cards combined have never added up to that amount. I 'm not saying this is a false legal item, I just want someone to see that it 's on the incorrect persons record. please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX

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

Complaint narrative:
I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to get " Account in dispute '' removed from my credit report for almost a year with no results. I am not disputing any accounts that are being reported as an dispute and never have. After sending multiple letters, all XXXX credit reporting agencies have responded with adding an additional remark that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I contacted Equifax to dispute some items. They refused to send me updates on the status of the dispute and did n't provide me with updated report. They continue to keep items on my report that are inaccurate and therefore result in negative results when applying for credit and a lower score. Along with XXXX, XXXX County and XXXX XXXX XXXX they do not update or provide accurate information and Equifax refuses to remove items or properly notify of any result or action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX reported false information about my account to Equifax Credit Bureau. It is a charged off debt that initially defaulted in XXXX. Therefore it should have fallen off my credit report already. XXXX reported an initial default of XXXX that is false it should have been in XXXX. XXXX credit Bureau has the proper information. I challenged the accuracy of the account in XXXX XXXX, and XXXX XXXX responded by stating that I was late 90 days and reporting a charge off. In XXXX XXXX XXXX XXXX XXXX reported that I paid or pays as agreed. In XXXX XXXX they reported another charge off. From XXXX of XXXX to XXXX of XXXX XXXX XXXX XXXX reported that I was making payments and or paid as agreed. That is inaccurate I have not paid any money to that company since before I could remember. I do not recall the last time I made a payment to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have a judgement listed on my report by XXXX that has been vacated or dismissed due to XXXX illegal collection tactics. Im currently disputing with Equifax and have recently disputed and they continue to somehow verify as acurate. I now have a copy of supporting documentation that supports my claime please note that there were several accounts dismissed are that were included with my lawsuite against them in the documents. Please review the uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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:
Equifax once again is doing nothing but saying the have verified a debt it is impossible for them to do so XXXX is not being report but data mined the debt is in the amount of XXXX and they would not be able to verify it with the court I not able to please give me the name and the number of the person who does I will need to talk to the before court Equifax will not stop the practice of sharing my information with whom ever when ever

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XXXX XXXX 2014, a car dealership ran my credit XXXX times in 1 day by mistake. They thought my dad was me and kept running my credit trying to get my father a loan. so I never tried to get any loans so my credit should n't have been ran XXXX times. so all XXXX credit inquires on XXXX/XXXX/14 are not mine and should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Have been going back and forth with Equifax for many months ... still have requests about removal of items ... Equifax keeps changing the date of report on items that I am trying to get removed. Equifax states " positive items '' stay on report for 10 years from date of report ''. This is wrong. Every time Equifax sends me an updated report that changes the time frame of removing an item from my credit report. 

QUESTION : HOW LONG DOES A NEGATIVE ITEM REMAIN ON MY CREDIT REPORT-AND FROM WHAT DATE " DATE OPENED '' OR " DATE OF LAST ACTIVITY '' QUESTION : HOW LONG DOES A POSITIVE ITEM REMAIN ON MY CREDIT REPORT AND FROM WHAT DATE- '' DATE OPENED '' OR DATE OF LAST ACTIVITY '' MY UNDERSTANDING IS THAT NEGATIVE ITEMS WILL BE REMOVED ( OR CHANGED TO A POSITIVE STATUS '' 7 YEARS FROM DATE OPENED. 
*XXXX-Date Opened XX/XX/XXXX-over 7 years old-this should go to a positive status now. CORRECT ASAP. 
For the 4th time, I am requesting the items be removed : *XXXX : I NEVER USED THIS ACCOUNT. CREDIT CARD WAS APPROVED, BUT I DID NOT WANT THIS CREDIT CARD. DATE OPENED XX/XX/XXXX-OLD REMOVE-OVER XXXX YEARS OLD. 
*XXXX-REMOVE-OLD ACCOUNT OPENED XX/XX/XXXX-10 YEARS OLD REMOVE EQUIFAX STATES ITEMS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROMTHE REPORT DATE. YET THE REPORT DATES CHANGE TO WHEN THEY SEND ME ANOTHER UPDATED REPORT. THESE ITEMS NEED TO BE REMOVED NOW AS THE DATE OF REPORT EQUIFAX SENDS KEEP CHANGING - AND THEN ITEMS KEEP STAYING ON MY CREDIT REPORT LONGER THAN NECESSARY. 
remove these items now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax placed an adverse account on my credit report from a company called, " XXXX '' on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
a foreclosure was halted in XXXX 2016 by me XXXX XXXX in which I filed chp XXXX bankcrupty. 
In XXXX 2016 shortsale letter was issued by seterus the servicer. My loan amount was {$310000.00}. The amount from shortsale letter demand was for {$450000.00}. Their net demand was {$400000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX refuses to correct missing information from my file. I have XXXX accounts with XXXX XXXX XXXX yet they only report XXXX. In addition, they have reinserted an incorrect version of my name and an incorrect address as well as deleted numerous accounts with an excellent history. I believe this was done to " punish '' me for my repeated requests for correction of information as well as my previous complaints against them with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft someone else took my information and opened up lots of accounts in my name that I did n't even know of until I check my report and saw all of it, this is really XXXX me. The name of the company is XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
We have had a 30-yr. mortgage for 10 years ( XXXX/XXXX/XXXX ) with XXXX ( XXXX. XXXX XXXX, XXXX, OH XXXX ) on our primary residence. Last month, we received a monthly mortgage statement from Seterus, Inc. ( XX/XX/XXXX ), without my knowledge that XXXX had transferred our mortgage to Seterus so I sent our payment of {$2300.00} on XX/XX/XXXX. A week after that, we received a letter from XXXX notifying us that the check was sent to XXXX, XXXX being our new mortgagor since it 's still within the XXXX transaction period between XXXX and Seterus, Inc.. We called XXXX and found out that they have transferred our mortgage to XXXX XXXX XXXX and was told that they have sent a " Good-bye '' letter through USPS . Unfortunately, I ( XXXX XXXX ) was on a trip outside of the US since XXXX XXXX, XXXX and returned on XXXX XXXX, XXXX. While away, I tried to contact XXXX through email payment but was not allowed to do such transaction because the correspondence was considered " suspicious. '' Therefore, that did not allow me to pay our monthly mortgage for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX on line ( without my knowledge that our account was already transferred on XXXX XXXX, XXXX ). I called XXXX and complained about not forwarding the " Good-bye '' letter through email since I have been corresponding with them for years through email and why it was different this time when they wanted to send the good-bye letter. Had I received that good-bye letter through email, I could have told my husband to arrange payment with them with my authorization. I believed that they did not give us a chance to make the necessary payment arrangement before they transferred our account to Seterus. We contacted Seterus, Inc. trying to make a {$1500.00} payment on XXXX/XXXX/XXXX. We also let them know that the amount is all we can afford to pay towards our mortgage since I have been unemployed since XXXX XXXX, XXXX. My husband is a veteran and is receiving XXXX benefits. He 's recently on a car accident and sustained XXXX which he will require and is scheduled for a XXXX on XXXX XXXX, therby limiting his ability to earn more money. Seterus, Inc. was not helpful and rude that they have threatened us to foreclose our home. I have paper trail to show our attempt to catch up with our payments as well as travel documents to prove that I was not in the USA when XXXX sold our mortgage to Seterus. Inc.. At this time Seterus has put the {$2300.00} as a suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX went out of business years ago. I had an account with them XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.

Company response to consumer: Closed with explanation