vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The reason I am writing you today is because XXXX Credit Reports states that they had some " investigation '' when I disputed a notation in reference to XXXX / XXXX but the issue is. The amount reported from the Reporter ( XXXX / XXXX was much higher then the agreed to amount between myself and XXXX collection agency. There was litigation then we settled out of court for XXXX but there has not been any notation that the payment was properly applied to my account. I see from the most recent credit report the XXXX settlement is being ignored and the XXXX payment is being placed against a much higher balance this balance is not what we agreed to and wrong. This was reported to the credit reporting agencies including XXXX on several occasions but they state an investigation occured. If this indeed happened there would be evidence I asked for this evidence. None was received by me. I believe that if those who place information onto a credit report pay a fee to do that that creates an conflict of interest when a subject of the report attempts to correct an inaccuracy. Disputes go as far back as XX/XX/2013 I have a copy of the NYXXXX XXXX Complaint. This company had more then enough time, it 's time to remove the item from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The current balance for this account is NOT {$1500.00} as being reported by Equifax. The current balance on this account has been paid down to {$860.00}. It has not been updated in several months. In addition, this account is on a current payment arrangement and is being paid according to the terms of that arrangement. The statement dated XXXX XXXX, 2016 directly from the VA 's Debt Management Center shows the updated balance. This account should be updated to reflect the actual balance or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX XXXX. Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the one used by banks most of the time, next XX/XX/XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. XXXX XXXX complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including XXXX also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at Experian according to their representatives over the phone, but the error only appears at the F.I.C.O. version of XXXX XXXX as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. XXXX XXXX match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?

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

Complaint narrative:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
Please see disputes : XXXX,XXXX, XXXX, XXXX, XXXX. These are ALL disputes for the SAME creditor. In the previous disputes, they admitted that hey do not have me in their files nor can they find me. When I disputed their false charges again through Transunion, they " suddenly '' invoiced me AGAIN! Invoice is attached. This is unacceptable and after admission that they do not have me int heir files, this creditor has no basis to assume these charge are mine just because I made a dispute! For the 8th time, this charge is NOT mine. The name on thsi charge is not even mine! My full name is XXXX XXXX, it is NOT XXXX XXXX. XXXX XXXX is my MOTHER. For the love of all that is holy, these charges are NOT mine and they need to be removed ASAP! I again reiterate that I had NOT received anythign from Gen Bus Recoveries until I disputed the entry on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
This a continuation of my response to Wells Fargo 's response dated XX/XX/2017. The actual federal laws that were grossly neglected to be followed are the following, XXXX These laws make for an interesting read. Every bank officer I have spoke with outside of Wells Fargo has acknowledged these regs. and follows them to the letter. After considering the above mentioned one question keep burning threw my mind ... Why has Wells Fargo continued to deny these laws exist. 
Or why the branch manager told me that these laws do not apply to me.. The CFPB will, I am sure read these regulations and understand that they DO apply to everyone in the banking community Respectfully 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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX an inquiry on my Equifax shows for XXXX XXXX XXXX XXXX XXXX. I disputed this item with Equifax and was told to contact the creditor. I sent letter to creditor 's address and letter was returned unopened from USPS with yellow sticker indicating that this was a bogus address. I sent the letter to Equifax with explanation asking them to remove inquiry that it was fraudulent. They sent back a request that I contact the creditor. I called XXXX and spoke to XXXX, her supervisor, then XXXX, then XXXX, then finally supervisor, XXXX who said I needed to file complaint with FTC. 
SUMMARY : Inquiry on Equifax dated XXXX/XXXX/XXXX Confirmation # XXXX can not be removed by Equifax , nor can they help me to get in touch with whosoever filed it for XXXX XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My mortgage was moved to Seterus in XXXX 2014. I am currently in a chapter XXXX bankruptcy that will be paid off in XXXX. I have filled out paperwork with my attorney 's approval so I may talk about information regarding my loan and sent it twice to the address I was notified by Seterus. My attorney also faxed the information twice to the phone number Seterus instructed twice. When I call about my loan, I am told this information has never been received. I am angry that my rights to my mortgage have been violated. I see several mistakes on the Seterus periodic loan notice but can do nothing to dispute this information. Furthermore, Seterus sends any information to my attorney annd I have yet to get a statement from Seterus. I want my account updated so I may have access to dispute any problems. I also am requesting an audit of my loan as I see there are mistakes on my loan. If you do not handle the auditing procedures, I appreciate any referrals you can provide. I want to thank you in advance for your help in this matter. Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I repeatedly asked Equifax to remove the Tax lien from my report. XXXX XXXX did it. Equifax not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I am trying to refinace. I had a difficult time getting a payoff from seterus. They would not talk to me because i had come out of a chapter XXXX in XXXX. After sending many documents and several phone calls and a copllaint to the cfpb seterus did finally send me a payoff. However it was Over {$14000.00} what is reported on the credit report. When i contacted the loan servicer a agent told me that probably wasnt the corect payoff because they havet finished my final cure. I was transferred to a supervisor and she said she would look in to it and phone me back the next day. She never did. I then got in touch with the somone from their consumers and government affairs office. She told she would look into it and call be back the next day. She did call, she said that they had to get in touch with the company that handled my mortgage before them because they did something with a escrow account. I have not received a call back, today makes a week. 
I have already lost XXXX credit in closing cost from my refinancing company when i went oast my lock in date because seterus has not provided me with a corect payoff. 

I have been trying to get a payoff from them since XX/XX/XXXX. I need a corect payoff from this company ao i can refinance. If they say i owe more id like a account of why and when this extra debt accured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent Equifax a letter on XXXX XXXX 2016 certified mail proving that they did receive my letter. The purpose for sending the letter is because I see several things on my credit report that do n't belong to me. I sent Equifax supporting documents including a police report of the identity theft incident. Euifax never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
This problem started with a XXXX timeshare purchased by my ex in 2005. He supposedly gave it to me as a gift so I was tricked into signing the contract. I subsequently found out it is a timeshare trick because his credit record was so bad he would n't qualify for a loan. As a result, XXXX put the whole thing under my name only without my knowledge. Because of XXXX I never got any documentation. XXXX apparently sent all correspondence to him. He vowed to bankrupt me and ruin my credit. Even though there is a court order stating he had to tell me if there was a XXXX issued he never did. This year a repo showed up on equifax from XXXX who apparently bought XXXX. They refused to acknowledge that. Ever received notice, and refused to honor the divorce decree showing it as a joint debt. After many calls I got the contract cancelled. However, They say I owe a balance and nothing went on his credit report. 1 ) is n't there any protection in XXXX situations? 2 XXXX how can you repo time? Does n't there have to be real property? 3 ) how can it show as a repo and a balance due on my credit report? Is n't it one or the other? 4 XXXX why is n't he being held responsible for the debt? 

This is keeping me from getting any loans 8 years after it occurred. They strong armed me into paying {$1400.00} to clear the repo from my credit report and after I sent the check they said it does n't guarantee they will remove the repo. 

Help me get free from my ex XXXX and XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has a " promotional block '' on my credit for some reason???? 
My credit is perfect - all OKs - what is a promotional block??? 
I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
just checked my credit score an found an address that is not mine listed as my new address. on both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the case number referenced above the creditor XXXX loan servicing was deleted from my credit file. As of XXXX/XXXX/2016 the creditor was placed back on my credit file without notice from equifax information services llc

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following credit inquiries appeared on my Equifax credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Equifax credit report : XXXX XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with Equifax alone with a policy report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Equifax Credit Report is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As part of ongoing disputes wih Equifax, where no such dispute was XXXX with FRAUD - Equifax inserted a FRAUD statement on my report - and then sent/shared it with XXXX and XXXX. 

The statement is wholly inaccurate, and not in any way shape or form warranted. 

Please remove this statement from my reports - and then - request that the same CRA 's you shared it with - as you ARE the owner, remove the same. 


" Company respondedXXXX said : Explanation of closureIn order to protect your privacy, we have mailed an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
ReliefWe received your complaint about the Initial Fraud Alert in your credit report, and apologize for any difficulty you may have experienced. Initial Fraud Alert identified in your complaint has been deleted.. 
DisputeResponseWe have reviewed your complaint along with the information you provided regarding this issue. In response to your request on XXXX/XXXX/2015, we received a request from Equifax to add an Initial Fraud Alert to your XXXX credit report. As a result the alert was added and a notification was sent to you via mail on XXXX/XXXX/2015. Please be advised under the guidelines of the Fair Credit Reporting Act, " Each consumer reporting agency that receives a request to add a fraud alert or active duty alert from another consumer reporting agency shall add the alert as though the agency received the request from the consumer directly. '' At your request we have deleted the Initial Fraud Alert from your XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax reports me as authorized user for a XXXX charge-off XX/XX/2010. I am not joint-owner nor did I co-sign. Also I am not married never was therefore not a spouse and not to be held responsible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an erroneous Collection item that has been reported to Equifax and XXXX and I have disputed the item with both credit bureaus and the entity who reported the item. Only XXXX has made the correction and the item was removed from my credit report. Equifax still is allowing the derogatory item to stay on my credit report with them. The debt is not my debt and is part of identity theft, which is why I have placed a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have continuously contacted the credit bureau and the creditors, whom refuse my dispute of the validation of these inquiries. The representative could not provide me with validation as requested, other than stating that the inquiries were a " statement of fact ''. I have continuously advised the credit bureau that these inquiries do not belong to me, and request that the following inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Complaint with Equifax about XXXX damaging my credit and Equifax allowing them to continue to damage my credit. I feel that if credit reporting agency Equifax is not reporting the XXXX account correctly. I have numerous disputes to Equifax regarding Navient incorrect reporting of the account. In an earlier dispute Equifax agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forebearance period, but I still made payments. I am enclosing documentation of payments made to XXXX.

Company response to consumer: Closed with explanation