vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I sent a QWR to XXXX/Seterus On XX/XX/2016 there was no response to my questions but they did withdraw the foreclosure on the XX/XX/XXXX. I still have not received any answers especially about being reimbursed for all the fees/penalties & over payments of mortgage. In stead I was sent a statement charging me for their expenses related to the false foreclosure & increasing my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed the following account historical information with Equifax : XXXX XXXX XXXX account number XXXX and was told XXXX that this historical information has been deleted for this account. Please see attached XXXX communications from Equifax. 
I ordered a credit report today and the historical information for this account remains. 
Please permanently delete this information or account as promised XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to notify the CFPB that on XXXX XXXX, 2015 I received a notification from my Equifax and XXXX XXXX XXXX monitoring report that XXXX XXXX XXXX # XXXX was deleted and removed permanently from my credit report. I have just seen it reappear on my credit report after being gone for 4 months. Whatever has occurred is not legal and not professional. This account was insanely inaccurate and outdated past the statue of limitation. Its history was incorrect and so where the terms and balances and it WAS NEVER properly veered and subsequently deleted in XXXX. The fact that it has reappeared is affecting me greatly, I am fixing the inaccuracies and would appreciate the help of the CFPB to force Equifax to act lawfully and not try to ruin my life. I am a smart consumer, i am a student and becoming a XXXX. I have no time for this and would like to start my life now, please!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm filling a complaint because Equifax has ignored my request to provide me with the documentation that their company has on file that was used to verify the accounts and failed to show proof of original signed contracts. 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 questioned. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account does not belong to me. 

XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is allowing the creditor to reage the account so that it reports longer than the FCRA allows. Previous evidence shows Date of First Delinquency XX/XX/XXXX with FCRA reporting of 7 years. By calculating 7 years of credit reporting, this account should report until XX/XX/XXXX. However, it is now XX/XX/XXXX and this account is still reporting until XX/XX/XXXX, which the XXXX has reaged the account in order for it to report longer than FCRA law allows. I have communicated with Equifax with disputes and with the creditor XXXX with no resolution ( exclusion from my credit file ). 

XXXX is reporting the Date of First Delinquency as XX/XX/XXXX which is the date of the charge off. The date of first delinquency per FCRA law is the actual date of first delinquency that made the account delinquent and not brought current ( which is XX/XX/XXXX ). The DOFD has absolutely nothing to do with the date that the creditor actually charges off the debt and gets the account off of their books. XXXX is using the wrong date to continue to report. It is as plain as black and white. Please make them understand the FCRA law. XXXX continues to be defiant of the FCRA law on this account to do me as much harm as they possibly can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: MO

Complaint narrative:
We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries. 
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company. 

We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review. 
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit balance on my credit card of {$330.00}, and I made a purchase of {$320.00}. Unknown to me at the time of the purchase, the credit card had just issued me a check for {$330.00} and I no longer had a credit balance. It was months later when I figured out I had an overdue balance on the account instead of a credit balance. When I knew this I called the credit card, and we figured out what happened. I made the payment that day of {$320.00} and the credit card was supposed to credit me the fees due to misunderstanding/communication. Now two months later they are still charging me late fees and interest on the fees. They also reported to the credit agency my lack of payment ... even though I did not know I did not have a credit balance. They have been very difficult to deal with. I would like the remainder of fees paid back to me and anything issued to credit agencies removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX not reporting accurate information on XXXX credit agencies ... .On XXXX my account it states that the account was opened XX/XX/XXXX but on XXXX and Equifax it states the account was opened XX/XX/XXXX. Last payment on XXXX is dated XX/XX/XXXX but on Equifax report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. XXXX report states that the account was closed XX/XX/XXXX. However there is no information on date closed on XXXX or Equifax report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, XXXX and Equifax is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not remove my IRS withdrawn tax lien. I supplied my form IRS XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) and disputed XXXX times to no avail. 

The last time I filed a dispute I spoke to a Equifax manager ( XXXX ) stated that the lien was only released, not withdrawn. The representative said there is no way to remove a tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I would Like to attached a copy of a police to Discover card inference to account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX to request proof of validation regarding account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Account Number Num : Balance {$220.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

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

XXXX XXXX

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
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While reviewing my Experian credit report, I noticed that EXPERIAN has placed an ALERT/NOTICES OF RISK stating that XXXX XXXX XXXX, XXXX, NY XXXX, as pertained to business and XXXX XXXX XXXX, XXXX, XXXX XXXX, as well. This adverse information is inaccurate and to permanently removed. 
I noticed that an unauthorized inquiries was initiated by XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; and XXXX on XXXX/XXXX/2015, by employees of this companies without my written consent in serious violation of my Privacy Right Act and FCRA. I have requested that any evidence be sent to me within 5 business days to support my consent of the inquiries.However, my request has been deliberately ignored by these companies and EXPERIAN has failed to properly investigate the matter as required under the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX

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 non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE HAVE BEEN MULTIPLE ATTEMPTS TO HAVE CREDIT CARDS ISSUED OR EXISTING CARDS MAILED TO AN ADDRESS IN XXXX WHICH IS NOT MINE ( I LIVE IN XXXX, FL AND HAVE NEVER LIVED IN XXXX ). WE ENROLLED AND PAID FOR XXXX MONITORING. THEY REPORTED IN AN ALERT THAT A NEW ADDRESS WAS ENTERED ON OUR CREDIT REPORT. I CALLED EQUIFAX AND THEY SAID THE NEW ADDRESS WAS ADDED BY EXPERIAN AND THAT I NEEDED TO CALL THEM. I CALLED EXPERIAN AND THEY SAID THE REQUEST CAME FROM XXXX XXXX AND I SHOULD CALL THEM. I CALLED XXXX XXXX AND THEY SAID THEY HAVE NO RECORD OF ANY XXXX ADDRESS ON MY ACCOUNT. 
THE EXPERIAN CREDIT REPORT NUMBER IS XXXX DATE XXXX XXXX, 2016 THE ADDRESS THAT IS FRAUDULENT IS XXXX XXXX XXXX, XXXX, FL XXXX ADDRESS ID XXXX XXXX XXXX DOES NOT RECOGNIZE THE ADDRESS. 
I SIMPLY WANT THIS ADDRESS REMOVED FROM MY CREDIT REPORT SO SOMEONE CAN NOT TRY TO CLAIM THAT I LIVE AT THIS ADDRESS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian I would Like for you to please answer a very simple question. basically a yes or no answer Do your company keep the original consumer signed contract on file at your XXXX tx site or wherever you guy 's report consumer 's info?

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
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Salllie Mae has a fraudulent account on my credit reports since 2005. Sallie Mae is false credit reporting to keep this on my credit reports. I am not aware of this loan. It has been on my credit reports since 2005 which makes that on my credit report almost 11 years in which according to fair credit reporting, time for deletion as far as the time frame is calculated from the last payment date history in which there is none, never paid on this, so that would start from 2005. I can ask for the XXXX credit bureaus to delete. I have never paid on this unknown account, again that makes no payment history from initial reporting 2005 until now. So that alone the account is eligible for removal with no payment history. Sallie Mae needs to stop falsifying information.

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
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.

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 non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation