vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Constantly submitting documents for a loan modification. 
We have submitted at least 10 modification full packages and each time there is a different story of needing more documents. We need our home for our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, I discovered that there were fraudulent credit inquiries on my report at Equifax corporation, lingering from a MAJOR identity theft incident XX/XX/2014. After a long search, I was able to get a telephone number ( ( XXXX XXXX XXXX ) at which I could speak to a Live Equifax customer representative. I called them XX/XX/XXXX, and the representative had told me to fax a copy of the police report, along with a statement and the last XXXX digits of my social security number, and request the dates of the fraudulent inquiries to be removed. I faxed them initially with this information around XXXX XXXX, and was told to call back in 72 hours to inquire if it was posted. I did so, and there was no record of my faxing the documents. I decided to fax them again, but I also called a second time around the time of XXXX XXXX. The XXXX representative told me I needed to provide my FULL social security number in the statement, along with a photo ID and a copy of the original police report. I faxed again from my house fax, this time I got a confirmation. In the days that followed, I got a letter stating that I needed to provide PROOF of my social security number also. This is a ridiculous and unfair way to treat a victim of identity theft. I am filing this complaint against Equifax so that the CFPB can instruct the superiors at Equifax to train the representatives in giving CORRECT information the FIRST time. Please inform Equifax to send a FINAL list of information necessary for me to send them so that this matter can be cleared up permanently. This has now taken countless hours of my time to resolve. The other XXXX reporting agencies were nowhere near as difficult to deal with as Equifax is. Thank you for your time in this matter.

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

Complaint narrative:
the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. 
XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been monitoring my credit report the last 3 years since my chapter XXXX A week ago on XXXX my Equifax score plummeted XXXX points!!!! they now say I am a XXXX. That is a score for people that DO NOT PAY THERE BILLS! I was denied credit lately for my wife 's XXXX present, if I was to qualify for a loan it would be 20 % or Higher. I am a homeowner 5 pmts on time own a XXXX ram, 16 payments never late, a recreational loan for 3 yrs never any late payments. I am in the same category according to Equifax as some one delinquent on a mortgage, a vehicle repossession and numerous credit charge off 's. As you can clearly see I have paid perfect since the chapter XXXX is n't that what I am supposed to do? I have said over and over the credit reporting agencies are FLAWED and if this does n't get resolved I am going to hire an attorney and file a class action law suit. I have a customer c come in the other day, 8 late payments a vehicle charge off and they were still higher than my score. This is unfair please get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is seriously messing up on verifying the information on my report. I just learned that XXXX XXXX XXXX and XXXX are still on my account, XXXX items that have been removed on other credit reports because there was fradulent activity, yet Equifax claims to have found the magical proof others can not. I have also been in contact with XXXX companies who told me they are doing their own investigation and those investigations are incomplete or they did not send me any results. Equifax is continually violating my rights and the law under the FCRA by not taking investigations seriously and I doubt they are investigating anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I never received any certified proof of claims. I asked for certified proof of claims from all companies listed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently my bank XXXX XXXX XXXX requested my credit report in order to give me a loan for a house and appeared on the report a bankruptcy.I have never declared a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
these hard inquiries are fraud on my credit report and i want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed the negative reporting on my credit file - XXXX XXXX XXXX XXXX. I disputed it with all other credit bureaus and it was not verified - Equifax continues to say it was verified with them, they will not delete the account but they will delete the historical account information. i do not understand what that means, i asked for explanation but i get refused. So i 'm filing a complaint today because I would like to request the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). this request is within my rights. when i called equifax in regards to this request the agent told me she was not allowed to give me this information. under the FACT act i 'm entitled to a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows XXXX filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Unknown, and no verification provided, I am also XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed XXXX tradelines with Equifax knowing that they both contained various pieces of incorrect information. The only way that the information could be " verified '' would be if the creditor or reporting agency fabricated/falsified information. I requested the manner of verification used and for the proof/information received, which was not included. Multiple FCRA, Texas Finance Code, and Texas Business and Commerce Code violations that continue to go unheeded. I do have proof and documentation that the information reported is incorrect, but I will not furnish it to the reporting agency to use against me ; rather I have given it to my attorney on retainer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello thank you for taking time to review this letter about credit reporting agency. Equifax I pulled my credit to discover a XXXX, XXXX, XXXX score with Equifax , due to hospital bills that should have been processed and paid by the XXXX insurance. This has been reporting error ever month making my credit score delinquent. There is a fee of XXXX and XXXX that should have been processed by the secondary. this was never sent in by the provider until XXXX XXXX. This has been reporting delinquent for sometime. XXXX account for {$100.00} since XX/XX/XXXX that should have never been reported in the first place. please see previously recoded report # XXXX I contacted the vendor XXXX with no success. I am requesting your help with Equifax to report the correct information as well as requesting all of the points that were taken from me in error. 
any assistance that you can provide would be greatly appreciated. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX, 2015 Equifax removed XXXX from my report on XXXX XXXX, 2015 it was added back to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes through the credit reporting agency and associated with unauthorized inquiries reporting on my credit report. I have been advised that the only way to have the fraudulent inquiries removed. I was advised that my only option was to contact the parties directly and request that THEY remove the inquiries. I contacted each of them and and was advised that they would need all of my confidential information ( name, SSN, DOB, address ) to 'research ' the reporting. While I was comfortable with providing my name and address - given my documented ( with the credit report ) history of identity fraud, I was unwilling to provide further details of my identity that would leave me once again vulnerable to identity theft. 

Equifax continuously refuses to correctly report information and further victimizes me by failing to remove the fraudulent inquiries.

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

Complaint narrative:
the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My mortgage loan servicer is reporting inaccurate information on my most recent credit report and is unresponsive when I seek to resolve the error. This has led to an artificially lower credit score which effects many other facets of my/our financial well-being. 

The loan servicer is Seterus Inc. based out of XXXX, Oregon

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
No choice accurately describes my issue with Equifax. I received notice from XXXX ( through an initial fraud alert ) that my address had changed at Equifax. I tried to call them to get it changed back. A ) they are darned near impossible to get a hold of and B ) when you do actually get a human being, they quickly disconnect/hang up you. Also, if you want to initiate a fraud alert through their website, they charge you a fee which they are n't supposed to do. I was able to set up one through their automated telephone system but when it was supposed to transfer me to a live human being, it hung up on me instead. So basically, there is no way to contact Equifax to fix my credit reporting. Also, while you are on hold for 30+ minutes, EVERY 10 SECONDS they tell you to go to the website instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I live in XXXX, where it is unlawful to garnish wages for credit card debt. A very sneaky debt collector filed an application for wage garnishment which stated I am employed in XXXX. Again, I am employed in XXXX, and only my corporate headquarters is located in XXXX. They think they can skirt the law this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
There is a hard inquiry on my credit report that I have not asked for-XXXX made on XX/XX/2015. It does not belong to me. Please investigate asap. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax multiple times about XXXX inquiries that are on my credit report that I did not make. All they do is inform me what an inquiry is. I explain to them i know what inquiries are, then they tell me they can not do anything about them. I even wrote letters to them explaining the situation. I have been trying to work with them for three months. Every time I ask for a supervisor they tell me they do not have one or they are unavailable. The inquiries are from XXXX ( XXXX 2016 ) and XXXX ( XXXX 2016 ).

Company response to consumer: Closed with explanation