vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This dispute was finalized and the creditor of the account has instructed Equifax to delete this entry from my account. It was opened fraudulently and is a causing a negative affect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This collection agency continues to increase the amount owed by large amounts. It took me a while to figure out why they never put the balance on their statements. In just the past couple of months ( see-attached ) they increased the balance {$530.00}. The balance was {$6500.00}. I called to get the balance mailed to me. I was told on the phone it was {$6900.00} and when the statement comes in the mail it 's now {$7100.00}. They have done this to me previously. Just because I ca n't afford an attorney does n't mean that they can continually steal from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I have a mortgage loan with XXXX XXXX in which I received a loan modification. The mortgage servicer is Seterus. In XXXX I filed for bankruptcy in court with my lawyer. 
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I have also filed a complaint with XXXX XXXX on the mortgage servicer ( Seterus ) handling of this issue. The lawyer said he never saw any papers take that long or any company not respond they way they have. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, GA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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:
My credit file has been shared without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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 # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : BK OF XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX XXXX IN ACC # XXXX ACC # XXXXXXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a balance discharged on my XXXX XXXX XXXX account back in XX/XX/XXXX and I filed taxes on it and both the mortgage and the XXXX mortgage should be reporting a zero balance. XXXX XXXX XXXX continued to report a balance on my XXXX mortgage till I disputed it with the credit bureaus and it was updated to zero in XXXX. Much to my surprise this month XX/XX/XXXX, Equifax sent me a new report showing the balance being re-reported. I have disputed this multiple times and submitted documentation to the bureaus and XXXX XXXX XXXX showing the error and apparently to no avail. I need this updated to report correctly as soon as possible as I am trying to purchase a home and this is stopping me from doing that.

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
Equifax has my name wrong and accounts that are not mine on my file. My name is listed as XXXX and my name is XXXX Accounts added to my file I 'm unaware of are Online Collection Services # XXXX Rent Recover LLC # XXXX Diversified Consultants # XXXX and account # XXXX

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

Complaint narrative:
I disputed XXXX chapter bankruptcies on my credit report thru Equifax starting XX/XX/XXXX I have done the inline disputes as well as the disputes via USPS. Each time Equifax continues to verify these and other things on my report without proof. I recieved notifications from equifax stating to call or mail The BK court here in Massachusetts on XXXX XXXX then 2 weeks later at anothr address at XXXX in XXXX, ma. I called the BK court and asked the clerk about Validation and Verification with the Credit bureaus. The clerk told me that they do not report, inform, validate or verify anything to credit bureaus or any other outside enitities. If that is the case then how are they verfifying this information. They also violated the FCRA by not adding the term consumer disputes on my credit report, i have proof of these things. Equifax also continues to validate and verifyother account and inquiries on my credit report that are lowering my credit rating, things that should n't be there as well. I have sent many letters to them, and have called, theyre very unprofessional and semi corrupt in the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i can not verfiy my identy on the question so i need to get that fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have contacted Equifax and disputed the XXXX card entry on my credit report several times. Equifax states that XXXX Card refuses to release the entry for 10 years. The final payment made on this XXXX Card balance was in XXXX, 2008 and delinquency began in XXXX, 2008. ( see attached documentation ). I am trying to secure a home loan at a favorable interest rate and this erroneous entry is preventing that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I originally had filed a complaint with CFPB against a debt collection agency XXXX XXXX XXXX XXXX XXXX that had reported a debt collection inquiry with all three credit bureaus ( Equifax, XXXX and XXXX ), which in turn lowered my credit score. That inquiry was not valid, and as such, I fought XXXX XXXX XXXX ( XXXX ) for them to remove me from their systems and remove the debt colleciton inquiry against all XXXX credit bureaus mentioned above. XXXX responded that they would in fact remove me from their systems as well as remove all debt collection inquiries made to the credit bureaus mentioned above ( Complaint # XXXX ). 
Equifax, unlike the other credit bureaus, have not removed the debt collection inquiry on my credit report as of XX/XX/XXXX. I am attaching the XXXX correspondence made through CFPB for CFPB to forward to Equifax as proof that the debt collection inquiry they have listed in my credit report should in fact have been removed since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I changed my name more than a year ago. The other day I noticed my credit score was declining when I checked it on my XXXX account. I tried to get a free report with my new name from the XXXX website but i was not successful. I requested a credit report via mail more than three weeks ago by submitting all the required information but I have not received anything yet. I have tried to contact them multiple time but i have not been successful yet. What am I supposed to do if there is no a physical building or a person I can talk to directly? 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account does not belong to me. I reside in XXXX and it stating this account was for gas services in XXXX XXXX XXXX. I disputed this with XXXX and Equifax and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This public record does not belong on my credit file. I have already had the public record from XXXX XXXX XXXX XXXX reviewed and it has been removed from XXXX and XXXX credit reports. Equifax is the only agency who will not remove the file. I have called them several times and no one is willing to speak with me about it. Please review this public record just as the other credit bureaus have and you will see it does not belong on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After my discharged bankruptcy a open collection from XXXX XXXX was showing on my credit report that was included in my bankruptcy. I notified both XXXX and Equifax and filed disputes. XXXX quickly removed this from my report. Equifax after the dispute it was still showing as an open account. I filed a second dispute at that point it was removed. I checked my credit report just recently and it is back on my credit as an open collection. I contacted XXXX XXXX they told me they have not added it back to my credit. I am so frustrated, I 've worked very hard to regain my credit. It 's either Equifax or XXXX XXXX, I no longer owe this and want it removed from my credit report for good! I had no problem with XXXX they took care of this right away. I would love to sue whoever is responsible for all the aggravation and they have made my credit drop XXXX from XXXX to XXXX. Please help me get this taken care of once and for all! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
By XXXX 2016 I restructured $ XXXX of personal debt to gain control over {$1700.00} of my income per month. In doing so I consolidated over XXXX debt instruments including credit cards and personal loans. I reduced the number of personal loans from XXXX to XXXX. I erased all of my credit card debt. After doing so I had some of the lenders outright lie about reporting to the credit reporting agencies after being asked repeatedly, some told me 90+ days to get it done, others reported to the credit agencies debts that were no longer valid despite providing pay off letters. As of today XX/XX/2016 I note on my Equifax credit report after XXXX rounds of disputes and almost failing to refinance my debt because of failures in the Equifax ID proofing services, that despite finally reading a {$0.00} balance on all my credit cards they still say I have a monthly minimum payment of {$220.00}. This is obviously in error. It is true that yesterday XX/XX/2016 I finally put {$400.00} on my credit card but that is not currently reporting and this $ XXXX monthly payment is invalid. It clearly is being factored into my FICO scoring as well. I 've tried to call them but there 's no process provided to dispute their own calculations. Not that the dispute process works anyway seeing that I 've had to sequentially dispute my report 3 times to get the balance to where it actually is anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon being notified by my cell provider that there were several erroneous items on my credit report, I contacted all XXXX of the major credit bureaus to correct the errors. Of the several errors on my report, XXXX was a XXXX Bank credit card account that was sold to XXXX XXXX. Through the CFPB 's assistance, XXXX removed the account from all XXXX bureaus. Since they were alerted the account was not mine in the XXXX place,, XXXX XXXX and XXXX removed the XXXX account from my credit history. 
Equifax however after being advised repeatedly by certified mail and through their website have ignored my demand to remove the XXXX account from my record ; claiming that they have verified the account to be mine ; which is a falsehood. I maintain that this was never my account. I have been disputing this for more than XXXX months now and am now demanding proof of this debt from XXXX Bank as I know it does not exist. Short of legal action against Equifax, I do n't know how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
EQUIFAX CONTINUES TO REPORT A PUBLIC RECORD THAT BELONGS TO A FAMILY MEMBER ON MY CREDIT REPORT. THEY WILL NOT FURNISH ME WITH THE SOURCE OR HOW THEY ARE VALIDATING THIS PUBLIC RECORD..RECENT CLASS ACTION SUIT ( XXXX XXXX VS. EQUIFAX ) SHOWS THEY ARE INCORRECTLY VALIDATING PUBLIC RECORDS ON CONSUMERS CREDIT REPORTS.THIS IS REALLY HURTING MY REPORT. XXXX AND XXXX HAVE BOTH REMOVED THIS PUBLIC RECORD. I DEMAND THAT EQUIFAX REMOVE THIS PUBLIC RECORD FROM MY REPORT IMMEDIATELY AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a letter from my bank denying me credit because of an Equifax report that indicates I have XXXX high balance/delinquent accounts. This is not true. I do not carry a balance on my cards from month to month. Also, according to this report my credit score dropped from mid XXXX to XXXX in a matter of 5 days. 
Annual credit report.com site claims I have already received all XXXX reports this year and I have not asked for nor received same. Please help!

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
I recently reviewed my Equifax credit report and viewed a XXXX XXXX account that is over XXXX XXXX XXXX. I respectfully request that the XXXX XXXX account be permanently removed from my credit report. Furthermore, I also observed the Hard Inquiries that I do n't recall authorizing. XXXX XXXX/XXXX/2016, Florida XXXX XXXX & XXXX XXXX XXXX XXXX/XXXX/2016. I respectfully request that these hard inquiries be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called the state of CA and was told that the tax liens were filed in error ( I was even refunded by the state of CA ). I was advised by state of CA to dispute this filing error with the credit bureaus to get it removed. So, I did. all that happened is " new information result, which I have no knowledge of what that info is. I mailed XXXX letters to the recording clerk in XXXX XXXX county who never replied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Transunion credit report and it is reflecting an account from XXXX XXXX with late payments. I have contacted XXXX XXXX and they confirmed I never had any missed payments and that my account was always in good standing until it was paid in full.

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