vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX XXXX, Title XXXX, Chapter XXXX, Section XXXX. ( under the FCRA XXXX A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Equifax has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Equifax can not produce this then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. Sec. XXXX XXXX a ) ( XXXX XXXX Texas XXXX bond information as required by Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
This is written notice to American Express that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act, Fair and Accurate Credit Transaction Act, and Colorado state Statutaes. I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested that a COMPLETE VALIDATION of this account. In which has been being illegally displayed on my credit reports ( XXXX, XXXX, and XXXX ) be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to American Express by law. The disputes listed in my original complaint must now be completely removed from my credit reports. ( American Express you have now legally exceeded the time frame allowed to you by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA, FDCPA, FACTA and Colorado and Federal Statutes. 
I HAVE DISPUTED THIS ACCOUNTS INFORMATION WITH AMERICAN EXPRESS SEVERAL TIMES ( CFPB REF NO : XXXX ) IN REGARDS TO THE INACCURATE INFORMATION IN WHICH YOU CONTINUE TO ILLEGALLY REPORT ON MY PERSONAL CREDIT REPORTS! AMERICAN EXPRESS HAS WRITTEN BACK TO ME STATING THAT THEY HAVE GIVEN ME A COURTESY OF REMOVING {$8.00}, BRINGING MY BALANCE TO {$0.00}. AS OF MY RECORDS, AMERICAN EXPRESS HAS NOT GIVEN ME ANYTHING, BECAUSE AS OF XXXX XXXX, 2016, WHEN I CONTACTED CUSTOMER SERVICE, THEY STATED TO ME THAT THE CURRENT PAY OFF AMOUNT FOR THIS ACCOUNT WAS {$2200.00}, '' I THEN ASKED THE REPRESENTATIVE IF THIS INCLUDED ALL OF THE FEES THAT WOULD BE ASSOCIATED WITH MY ACCOUNT ''. THE AMERICAN EXPRESS CUSTOMER SERVICE REPRESENTATIVE THEN STATED TO ME THAT " YES THAT WAS ALL THE REQUIRED FEES THAT WERE ASSOCIATED WITH MY AMERICAN EXPRESS ACCOUNT '' AT THE TIME OF IT 'S " CLOSING ''. I WOULD NOW LIKE TO ASK AMERICAN EXPRESS, HOW ARE THEY TRYING TO CHARGE ME {$8.00} FOR AN ACCOUNT THAT HAD NO PRIOR PURCHASES MADE ON IT BEFORE THE ACCOUNT WAS CLOSED, OR AFTER THE ACCOUNT WAS CLOSED. AMERICAN EXPRESS IS CONTINUING TO REPORT THAT I WAS LATE ON THIS ACCOUNT AFTER THE ACCOUNT WAS ALREADY CLOSED XX/XX/XXXX! AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THAT THIS IS KNOWINGLY AND DIRECTLY VIOLATING THE FDCPA, FCRA, FACTA, AND COLORADO STATUTES, TO CONTINUE TO REPORT THAT THIS ACCOUNT IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF IN THE TIME FRAME ALLOWED TO AMERICAN EXPRESS BY LAW THAT IT IS! 

AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THE DOCUMENTS THAT YOU HAVE MAILED TO ME ARE NOT A COMPLETE VALIDATION OF THIS ACCOUNTS INFORMATION! I HAVE REQUESTED VALIDATION, NOT VERIFICATION OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX

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 monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
tax liens ... was removed and put back ... they 're not liens of anykind

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has fail to provide accurate and timely results on negative and unverifiable information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the credit reporting agency and advised them that the amount sent to them by XXXX XXXX XXXX is not an amount owed. In fact, there is no amount owed to them and this entire report was filed in an attempt to damage my credit and that of my daughters because this is listed on her credit report as well and when we contacted Equifax to dispute said items, we were told that it would not be removed. According to Federal Trade Commission Rules 15 U.S.C. 1681s ( a ) ( 1 ) accuracy, 603.2 ( e ) intergrity and ( 1 ) Substantiated. In fact, XXXX XXXX XXXX has to show how the debt is owed and they can not and Equifax should have removed this from our credit report.This is a landlord tenant dispute where we exercised our rights under state law and the landlord sued in retaliation. There is a counter claim pending and there has been no final judgment awarded to the landlord. Thus, the entire amount listed is fraudulent. We ask once again for it to be removed from my credit file and that of my daughters. We can mail any supporting documents showing XXXX XXXX XXXX has no legal right to place said amount on our credit file. We ask for it to be removed at once. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 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 identity was fraudulently used, and I 've been trying to correct issues that were made against me, instead of placing a simple call, the act was repeated, I 've since placed a police report on my file explaining what has accrued, but, the inaccuracies or still there. 
They have lowered my credit scores numerous of times without even checking the facts. Serveral or should I say, numerous Inquiries against me are unjustified, and EQUIFAX has neither checked or corrected their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX, as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records in the office of the County Recorder of XXXX County, is trying to foreclose based upon loan modification documents that were forged by Wachovia/Wells Fargo Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XX/XX/XXXX. 

The XXXX County Recorder 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX XXXX. The Trustee still in place is XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. 

I have checked with XXXX, XXXX XXXX and XXXX Servicer ID for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX ServicerID also has no record of this loan onn it 's online database. 

XXXX XXXX XXXX and Wells Fargo will not produce documents verifying the current legal Beneficiary or Trustee when requested. XXXX XXXX XXXX will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.

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 2016-12-27 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. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is currently reporting a tax lien as released but it has been withdrawn and no longer exists as public record and needs to be deleted from the report entirely. Again they refuse to investigate this, just report what they verified years before it was withdrawn. They must start a new investigation and provide me with contact information who they are verifying with which they have refused to do because they are not investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax is in violation of FCRA laws. Instead of conducting a reasonable investigation of my dispute they have continued to " parrot '' the creditors clearly inaccurate portrayal of the account in question ( XXXX ). The creditor has routinely refused to report the date of closure and date of last activity, and rather than correct the erroneous information they update the aforementioned field by leaving them blank. This allows them to continue to report negative information on an account that has been closed for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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 have been repairing my credit for 5 years. XXXX and XXXX work wonderfully and erroneous items are being removed at a good pace. My XXXX score is XXXX, my XXXX score is XXXX ... ..and wait for it ... .my Equifax score is XXXX and it does not move. They are violating my rights under the laws that they must live by ; they must response in a certain period of time and they are not. THEY MUST PROVIDE ME WITH MY ORIGINAL SIGNED CREDIT APPLICATION, ALL STATEMENTS ITEMIZING EVERY CHARGES, AND A COMPLETE ACCOUNTING OF ALL FEE, ETC ASSESSED TO ME - THAT IS THERE OBLIGATION IF THEY WANT TO BE IN THE BUSINESS THEY ARE IN. They are not doing this and the are not sitting on the process while XXXX and XXXX are doing a great job. I am getting ready to sue Equifax for financial damages in the form of high interest rate loans do to their refuse to comply with the law that governs them. They said they have no record of me ( that 's a stall ) ; I 'm XXXX years old, they had over XXXX trade lines on me. I am calling the governors office in XXXX next, this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I was directed to fax a waviers letter on the late charges to the correspondence inquiries dept. Put their to me to talk with them. I ask that their put and listens to all calls from XX/XX/XXXX and XX/XX/XXXX was told if I pay {$2200.00} that XXXX later charges would be taken of my Seterus Account each was {$26.00} my Seterus Account would be even this was okay by the supervisor but only {$78.00} was taken off my account. I only owe {$26000.00} on my loan. Seterus is trying to take my home. In XX/XX/XXXX I find out Seterus dropped my flood insurance XXXX XXXX I had over 20 years and added their own flood insurance for almost three times over XXXX price. I nor XXXX was never notify on the renewal their paid XXXX in XX/XX/XXXX why not in XX/XX/XXXX. Now I must pay for a flood elevations certified to go back to high point XXXX insurance which cost over {$600.00}. Now XXXX/XXXX/XXXX I 'm being told I have to pay the extra which was never discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had a bankruptcy judgment in 2014 and only XXXX is reporting it. I need equifax and XXXX to report bankruptcy.

Company response to consumer: Closed with explanation