vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
SS Number : Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Demanding A Credit Bureau Investigate To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX BANK DELAWARE Account XXXX FDCPA Act violation please delete. 
XXXX Account XXXX ... .This account is not accurate Please delete All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no e-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. 

XXXX vs. XXXX, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, Equifax, et al, 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 to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had a chapter XXXX bankruptcy that was DISCHARGED case # XXXX this was discharged by the United States Bankruptcy Court on XXXX XXXX, 2015 but a few months passed and Equifax was reporting my bankruptcy as dismissed that is incorrect that is negative information it should have said DISCHARGED so i disputed the information. They failed to correctly report my bankruptcy after XXXX investigations i even sent them by fax my discharge letter which when i call Equifax they say they can see it on there computer? So after the 3rd attempt to change the verbiage from dismissed to discharged they totally REMOVED my bankruptcy from my credit file. Now all my accounts that were paid in full by my chapter XXXX discharge are reporting as late or charged off and it has seriously dropped my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several medical accounts that appear under my credit report that is being reported by each credit reporting agency. These medical bills are under collection by XXXX XXXX that do not belong to me. I have tried reaching out to the original creditor to inform them that this information is not true and does not belong to me. They are not able to prove any physical evidence to include legal documents that belong to me. This information is damaging my report and is hindering me. Please ask that they prove or remove this false information. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: ID

Complaint narrative:
My mortgage rate was variable and went up. I sent my original payment off before I received the new mortgage amount. As soon as I received the new mortgage payment I called Seturus and paid the difference. Seturus had applied the amount to other fees because they considered it a partial payment. By the time they moved the funds back to payment, they were reporting a 30 day late. However the funds were sent to them way before. I called and disputed the 30 day late and Seturus verified is was incorrect and I should not have a 30 day late, but they are still reporting it wrong. I disputed the 30 day late with the credit companiesXXXX, and XXXX Seterus verified them as correct to the credit agencies. 

This is costing me hundreds every month, because I am trying to refinance and I am being told that my loan is being denied because of the late being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a XXXX representing my client in her efforts to obtain a loan modification from Wells Fargo. Throughout the entire process, which still has not been resolved, Wells Fargo has failed to take proper action, has imposed unrequested and secretive " cease and desist '' orders which prevented my client, her ex-husband, and her housing counselors from communicating with Wells Fargo without any knowledge or permission, Wells Fargo has irrationally and wrongfully and repeatedly refused to accept legitimate documents from my client to establish evidence that my client was conveyed titled to the subject property and that she obtained a valid divorce ; when I have escalated these problems to higher persons, I have been assured that the problems have been resolved and that I could call the supervisor directly if a problem occurred, only to discover that the problems were not resolved and that the supervisor deliberately failed to return my phone messages and refused to call me until I sent a written email. Today, when the supervisor called me and refused to address the problems I raised, he refused to permit me to speak with his supervisor and he refused to give me the name of his supervisor, telling me that I would not get any different result from a supervisor. This treatment of me and my client has persisted for more than six months. 
FINALLY, reviewing my files of this case, I just realized that Fannie Mae never responded to my XXXX XX/XX/2014 Complaint which I submitted in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have mailed copies of my DL and Court documents via US MAIL and no response I have uploaded my documents to their site and no response I have faxed my documents to them and no response on the update of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I 'm asking you to please investigate Equifax credit reporting agency I have sent them countless dispute letter via certified mail asking them to please send me copies of of any of the original documentation required under the section 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) a consumer contract with my signature on it and Section 611 ( 5 ) A ) OF THE FCRA they are required to promptly delete all infoation which they can not be verified the law iis very clear as to the civil liability Equifax has updated all the account that I requested This is a federal crime and Equifax is in serious Violation I 'm giving them the chance to send me the required documents or else I will file suit ... .. I asked if you could please ask Equifax to fax over the req documents as I requested OF THEM!! 
XXXX XXXX ACCOUNT WITH DIFFERENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX ACCOUNT XXXX ALL NONE ACCOUNTS HOLDING INQUIRES OVER 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2016 I sent Equifax a notarized letter that there were inquiries on my account that I did not verify and did not recognize. I gave them a list of companies that I never asked to verify my credit. I requested that they verify the accounts and send me verifiable proof with my signature. They replied that the inquiries were verified but did not provide me with a verifiable signature from me authorizing the companies to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have me living in Indiana. I have never lived there I have always lived in XXXX. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, Equifax was reporting the First Delinquency date of XX/XX/XXXX ( as clearly shown in earlier credit reports from this company ). However, Equifax later illegally changed that date to XX/XX/XXXX in my credit file, which is in violation of the Fair Credit Reporting Act ( FCRA ). Equifax also failed to remove the adverse information from my credit file, as required by FCRA ( 7-year reporting limit ). The continuous reporting of the incorrect information beyond the legally allowed timeframe also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the accuracy of the payment history and past due amount being reported for my child support. The bureau claims to have verified the validity of the debt. I sent in supporting documents showing that the information being reported is inaccurate. The inaccuracy of the payment history and balance on this account has caused my credit scores to either come to a stand still with XXXX credit bureau and decrease with the others. The documents that I sent came from the courts as well as my check stubs showing the amount of child support being debited from my check weekly. This has caused a serious financial hardship on my credit with potential lenders. I am in the process of getting ready to apply for a mortgage and the inaccuracy of this account is causing my credit scores to decrease. My monthly payment amount is actually {$850.00}. {$190.00} of which is taken out of my check weekly. I will attach the documents sent to the bureau. The child support is listed at other deduction XXXX on my check stub. Looking at the year to date amount and the month of the stub divided by the amount owed, I am up to date with my child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an address for Arizona I do not not have I ever lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, 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
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent Documentation that this is NOT mine. 
They replied twice that they have verified that it is mine. 
I have a letter from the collection agency ( that I sent to Equifax ) that states the docket is NOT mine and Equifax still says it is. 
What can I do?? 
XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXXAll other agency 's have removed it all ready.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX has deemed account to be fraud and Equifax refuses to remove it even though I uploaded the documents XXXX XXXX sent me stating account was found to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with Equifax and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
The servicing company for my mortgage has added to the principal balance due. As of this date, the balance should be {$300000.00}. Seterus is adding " fees '' to the principal balance without my knowledge and without providing me any means of challenging this. Seterus is indicating to me that my outstanding balance is {$300000.00}, a difference of about {$1300.00}. It may seem like a small amount. I have been paying, approximately, {$1700.00} a month, every month since XXXX, 2006, on an original principal amount of {$300000.00}. ( That 's {$180000.00} paid on an original {$300000.00} loan. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax has inaccurate information and accounts that were closed out years ago causing my credit score to drop by XXXX points. 
the other XXXX agencies are accurate and Equifax refuses to fix anything. 
i have disputed with them and it only lowered the score even more. 
the accounts in question were closed with no delinquent payments owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
tried to update and remove incorrect addresses from equinox credit report. my requested changes do not get incorporated and feedback is cryptic and not understandable. 
specifically, i 've never lived on XXXX in XXXX in my life!!!!

Company response to consumer: Closed with explanation