vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am complaining that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, of which by law, I have the right to request who they are " verifying ''. They are holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 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:
Equifax has not request supporting information to support their reason for keeping wrongful information on my credit report. I was told by a rep over the phone that what happens is they contact the creditor and whatever that creditor says is what they report! That does not sound like a investigation. Where is the proof? Then when I asked if they got a copy of documents as proof they said they could refer me to a credit monitoring company they have that cost $ $ $ what ever and at that time they could help me further! So now I 'm thinking this is all making sense!. If you pay equifax they can show you ways to do things to correct CS that you can do yourself?! NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
In XX/XX/XXXX I received a phone call from a company stating that I was eligible for the loan forgiveness program. I was told that my payments would be {$180.00} which was how much my loan repayment was at the time. They stated I would be with XXXX. On XX/XX/XXXX my account was charged {$39.00} from Equitable Acceptance Corporation. However, XXXX charged my account for the first time on XX/XX/XXXX. XX/XX/XXXX was the last time Equitable Acceptance Corporation received a payment from me due to their website not allowing me to update my new bank information. In XX/XX/XXXX I attended a loan forgiveness seminar to inquire if I was in a legit loan forgiveness program. I was told that XXXX was a legitimate company and one of the best. However, they explained to me that they had never heard of Equitable Acceptance and that the loan forgiveness programs are free to enroll and this company should not be taking money in addition to my loan repayment. The facilitator also informed me that I should contact XXXX to see if I have an actual account with them. I was able to contact XXXX and verify that I did have an account. I believe Equitable Acceptance Corporation is illegally taking money from my account since loan forgiveness programs are free to enroll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello CFPB, I 'am sending this request because I previously opened a credit bureau dispute with Equifax XXXX XXXX/XXXX/2016. In the Month of XXXX I received the results showing that case # XXXX, Balance XXXX and Case # XXXX Balance {$1800.00} were deleted from my credit file. I notified Equifax that the accounts were still on my credit file after receiving a letter showing the deletions and no documents regarding any insertions of the items being added back to my credit file. Equifax failed to correct their error. I would like Equifax to remove the inaccurate/outdated information from my credit file as XXXX XXXX and XXXX did immediately upon receiving my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I realized that I did not get my statement to pay my mortgage. I called Seterus who said that no statements were sent out because they were having '' computer problems ''. I was instructed to send the check in with the account number written on it. This was done. However Seterus applied it to the wrong account. I have tried for the past 2weeks for them to correct their mistake and now I am been penalized with late fees and a negative on my credit report. I have called multiple times and have been told that they see it noted but NO effort has been made to correct their mistake. .I find this very unprofessional and unethical. Can you please assist me in resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Debt has not been accurately verified. No contract or signature provided for the following collection account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the items I disputed. Being that they have gone past the 30 day mark and can not verify these items, 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 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.

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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : 1 XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Utilities And Fuel XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Received free annual credit report through Equifax and discovered unknown XXXX account. Called XXXX to inquire about this account, however, they were not able to find this account because Equifax credit report provides only first XXXX digits of the account number. Called Equifax to inquire about full account number and customer service rep, XXXX, said the only way she could pull up and release full XXXX digit account number is if I purchase Equifax Complete Advantage Plan. I agreed, however, after the purchase she informed me that she could only provide first XXXX digits, and not the full XXXX digit account number. This was completely misleading practice to trick customer into purchasing their product. They refused to provide refund. ( Spoke to the supervisor, XXXX, agent number XXXX - he refused to provide refund, instead gave me cancellation/reference number of XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
What I believe is a strategy to enforce the use of XXXX ( owned by XXXX ) I have requested my credit report from Equifax and XXXX and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The information still been reported after disputing it is time barred and or not mine. Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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 SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CORELOGIC INC
State: CA

Complaint narrative:
First let me clarify that this is the same complaint statement that I 've submitted for XXXX Clarity, XXXX and now CoreLogic/ I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX XXXX, CoreLogic and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. CoreLogic, XXXX, XXXX, and XXXX My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

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 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing in response to Collection XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section XXXX ( 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 respectfully request that you provide me with 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 ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect. Henceforth I ask that this, be removed from my file with Immediate effect.

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

Complaint narrative:
This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
companies promised free credit reports, I entered my personal information, but the companies wanted to charge me to unfreeze my credit scores -- -- -they still have my confidential information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax Credit File : my XXXX XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card are reporting the incorrect : Date Opened. I opened both of these accounts on XX/XX/2016.They both have Date Opened dates of XXXX/XXXX/16. I have disputed this error three times with them and still know resolution. Please contact Equifax and have my Credit File updated correctly.

Company response to consumer: Closed with explanation