vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Equifax and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found out on XXXX 2015 that I was a victim of identity theft. Upon further investigations on my own, I came to realize that this " entity '' that had stolen my identity apparently used a suffix in my name, " XXXX ''. I of course have notified all three reporting agencies and Equifax is still yet to permanently update this information and block the " XXXX '' from reporting to my credit report. My legal name is XXXX XXXX XXXX. I have on ( XXXX ) occasions uploaded the following to support my legal identity : US Passport, current Drivers License, Social Security card and certified copy of birth certificate. As of today, they still claim that this request is still processing after almost 9 months of my disputing. Please note that both XXXX and XXXX are accurately reporting my legal name. Whereas, Equifax has yet to do so. Because of this, I am unable to verify my identity with anyone to establish credit whether with utility companies or any other type of potential credit. At this juncture, this is very harmful to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a XXXX address connected to my credit report. I have never lived in XXXX. The address listed belonged to my ex wife who moved there well after we were divorced. She has also moved from that address. I do n't want any address that I have never lived at or been associated with to appear on my credit report. 
I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and have for 50 years. I have never lived or been to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am attempting to clear collection accounts from my credit bureau file. I paid in full the XXXX listed as XXXX XXXX XXXX for {$120.00}. 
It is still showing on my file. 
XXXX XXXX XXXX would not take my debit/check card as payment only my bank routing # and acct #. I gave it to them against my better judgment. I collection item is still there. 
WHAT DID XXXX DO WITH MY MONEY?? WAS THIS A FRAUD??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was a XXXX customer back in 2015 and was sent a letter from the credit agencies telling me that there was a XXXX data breach at Equifax credit reporting agency. I sold my phone that I paid off to XXXX. I later cancelled my XXXX for slow Wi-Fi and trade my phone service in to XXXX. While frequenting XXXX online I was sent numerous login confirmation stating my phone device was logged in from a XXXX service provider. This occurred for the entire time I had the XXXX telephone number. During this time as I tried to login they requested that I upload my government i.d . Card or they would n't allow me access to the XXXX website and my account. I suspect fraudulent activity and possible i.d . theft by XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 12 Missed Payments {$0.00} DEPT OF ED/XXXX Student XXXX XXXX, XXXX Closed 8 Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed 3 Missed Payments {$460.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$670.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 1 Missed Payment {$7300.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 2 Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Wrote letter to XXXX disputing info on my credit report. XXXX reporting I have a mortgage with them. No response after 4 months. Have sent a second letter seeking a remedy to incorrect info to Equifax. Sending XXXX second letter at the same time filing complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I tried to get my free credit report online and I had to answer questions that was supposed to be in my file and only i should know the answer well i could n't answer the questions because it asked me about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices they gave me so they said that there 's a security issues

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed an account on my credit file and was advised that the item will be removed. However when I pulled a new report the item is still showing. I have made XXXX calls and spend over XXXX hours on the telephone with Equifax. I have had a number of problems with this credit reporting agency. I feel that they are using tactics to intentionally cause my score to be low. The item that is in dispute is the XXXX XXXX / XXXX XXXX for {$4200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XXXX XXXX servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( Seterus ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by XXXX for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Call Equifax to check my credit score because purchasing a home, spoke with rep XXXX, badge # is XXXX in XXXX, he would provide me with any information regarding my XXXX report because, I explain to him I did XXXX XXXX with XXXX XXXX XXXX, Equifax XXXX, and Transition XXXX. Seem to me every time I call and get a foreign customer service rep, my score is dropped XXXX point. I believe it 's because of my ethic background or where I am located. I am also a paying member of Equifax XXXX, they are not fairly scoring me properly. I have not late pays, nothing derogatory, XXXX mortgage inquires less than 30 days ( thru Creco ) a third party vendor. I feel that I am being discriminate against. When XXXX was not help, he end the call and did not hang up so I could complete the survey. He came back to the line twice, each time I advised him to hang up so I could take the survey. XXXX the transfer me back in queue. Look forward to hearing from you Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm filing this complaint because equifax has ignored my request to provide me with the documents that there company has on file that was used to verify the accounts I disputed. Be 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 that can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Servicer ; seterus paid XXXX flood ins premiums causing a {$3000.00} negative escrow and by paying XXXX flood agencies they voided XXXX another. Then they refused to acknowledge the paid XXXX when XXXX was alread in place. They later added forced place coverage costing me another {$350.00}. And due to paying recent XXXX premium late they cost me an additional {$330.00}. On top of {$4800.00} to XXXX - that was canceled and flood was in place at time they paid XXXX. I am XXXX and no reasonable assistance has been given and it has taken a stressful tole

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously filed a complaint under " bank issues '' but since it 's a Credit Union apparently it does n't fall under that scope. The NCUA was notified but they have n't done anything. Since XXXX XXXX XXXX XXXX is now harming my credit with their incorrect reporting, I figure it 's best to file a complaint under Credit Reporting. Hopefully this works. 
I decided to switch banks from XXXX XXXX XXXX XXXX ( XXXX ) after getting married and open an account with my husband elsewhere. I did the responsible thing and took several months before actually closing the account, to make sure all pending transactions and automated withdrawals were completed. At some point I received a letter from XXXX stating that the account was negative. I sent a check immediately, along with a signed letter requesting that the account be closed. 

They cashed the check and I assumed the account had been closed. I did some research last month and found a copy of the check dated XX/XX/2014. It 's enclosed as an attached document. 

Following my request for it to be closed, I did not receive any statements or anything from XXXX, so I never thought anything of this, until earlier this year. 

For some reason, I received a letter from a collection agency claiming that I owed XXXX {$48.00}. I sent a response asking how this could be accurate, given that the account was closed years ago. They sent over information stating that a XXXX transaction attempted to go through, and thus the {$48.00} was overdraft fees ( although the transaction was declined ). Of course, had the account been closed like it was supposed to be, there would be no issue here. Apparently it never was closed, despite my written request. 

Fast forward to a few weeks ago when I noticed a negative item on my credit report in the amount of {$90.00} ( magically increased from {$48.00}, apparently ) from XXXX. 

Had they closed the account like they were supposed to, none of this would have happened. It 's not my debt. It 's their error. It needs to be removed from my credit report as this is having a substantial impact on my credit report. 

Any assistance you can provide would be greatly appreciated. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do n't know what else to do with Equifax. I disputed XXXX XXXX on my report and the company agreed that I had paid the account and it was closed, as can be seen by the {$0.00} balance and statement. Equifax did not properly update this and is still showing it as XXXX days past due. I complained to the CFPB and received a response saying that it had been looked into and to call Equifax for results. I called for results and the man, XXXX XXXX, that I spoke with told me that they never received a CFPB complaint and that the CFPB was lying if they said that Equifax responded because they did not. He also told me that I was not allowed to dispute XXXX XXXX anymore and just had to accept that it was wrong. This is completely outrageous that they would be allowed to circumvent and lie to a government agency, the CFPB, and knowingly leave mistakes on a person 's credit report. I am outraged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Inaccurate and outdated medical collection accounts and city tax lien continue to the reported on my credit report despite theses accounts being paid in full and service providers requested to have these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
In XXXX XXXX I became ill, and by XXXX XXXX I was no longer able to make mortgage payments. Seterus became the new servicer effective XXXX XXXX. I requested a forbearance in XXXX XXXX and XXXX XXXX, I was never reviewed for the forbearance. Last week Seterus filed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The have the wrong address on my Equifax credit report. I have attached my correct address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax 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 response to consumer: Closed with explanation