vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax ( including XXXX and XXXX ) has not increased my credit score where it should be after items removed, XXXX collections, and XXXX open accounts in good standing. Which brings me to discuss XXXX that has been in dispute all year with no responds or corrects. Equifax states their sore calculations is base on the last 3 years. They state XXXX report on my credit XXXX missed payments, and XXXX missed payments BUT shows a grid that have good standing payments for a year and a half..an the years XXXX in a " XXXX '' ( unknown ) that effects my score. In XXXX and XXXX I was in a program with XXXX XXXX for modification of my mortgage which clearly states that your mortgage will be denied modification if you make any late payments. I completed the program successfully without no late, or missed payments but Equifax, XXXX, and the other XXXX credit bureaus will not correct it. Also Equifax will not remove any and all accounts that 's paid and closed with a XXXX balance..My score should not be XXXX. It should be in the XXXX. Equifax investigation is not including demands for XXXX to explain the " XXXX '' unknown.they have reported and being dispute since XXXX with no results but still Equifax reports it as a negative items that keeps my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I forward a letter to Equifax on XXXX/XXXX/2015 ( certified XXXX ), no response from the company. I have disputed several items on my credit but have not heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I requested my free annual credit report from all three companies but only received one from XXXX and it was full of errors, appearing as if my credit was combined with someone elses. I could n't access XXXX or Equifax because the security questions asked for me to enter were based on someone else ( addresses I have never lived at, accounts never opened etc. ) I do n't think anything was stolen or my identity taken but it definitely needs looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has reinserted XXXX after they deleted it on XX/XX/2017. I have never received any notice of the account be reinserted ( requirement of FCRA section 610 ) ... they are violating the law & I need this account removed AT ONCE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is still on my credit report as debts I do n't have no debt with them I disputed 2 years ago it is still on my credit reports Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.

Complaint narrative:
XXXX XXXX sent me notice that they would remove an inaccurate account from my report and Equifax has refused to update and remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2016, I contacted XXXX and had a security freeze on my information with them. On that same date, I opted out from reports in the XXXX system. On approximately XX/XX/2016, I sent correspondence to Equifax inquiring about a Chapter XXXX bankrupty listed on my credit file. I stated that " Due to Civil Case No. XXXX, XXXX , Et Al., v. Equifax Information Service , LLC, I do not know the source of your information on the bankruptcy you have listed on my account, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). '' I asked Equifax to send confirmation within 15 days that the bankruptcy had been removed from my credit file. Instead, Equifax claimed to have " confirmed '' the bankruptcy using information XXXX data on XXXX XXXX, XXXX, even though I had placed a security freeze on my XXXX data almost a month prior to that. I am asked that the Consumer Financial Protection Bureau investigates this matter and mandates that Equifax removes their bankruptcy from my report, as they are not reporting truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on both of my credit reports XXXX XXXX and Equifax is showing bankruptcy even though I dismissed that bankruptcy that the lawyer was misleading me into, and I settled the case with XXXX regarding my line of credit.Bankrupcy is dismissed and it is showing as active on my credit reports.Can it be corrected please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX XXXX after closing, however, there is no record of that transfer in XXXX County, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure XX/XX/XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began XX/XX/XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX XXXX Servicer as a Debt Collector, refuses to close this and wipe the slate clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The resolutions given by the agency for the previous case were to validate all accounts and to state that I was disputing the accounts that were correct when my issue were with the ones that I could not verify on my report. Once I received the mail response I used the confirmation number on the report to file a dispute online, providing statements from the guaranty agency collecting my student loan and all of my loans from the national student loan data system. I had requested an update to the account statement one the student loans I was not in dispute with. The resolution from the full reinvestigation came through today, and for the accounts that were not reporting correctly the result of the investigation was to only remove the historical data. The balance, open status and incorrect statement on those accounts remain, but there was no mention that any of the remaining information was verified by the source as done with the issues with the student loans that were not in dispute but I was wanting the statement that I was disputing them after resolution changed. For those accounts, they refuse to remove the additional information because the source reported it that way, but I never disputed with them and in fact I am close to fully rehabilitating those accounts and have no issue or complaint with them. Any dispute was made from however Equifax presented their request for verification of my loans. I keep disputing the agencies claim that I 'm disputing those accounts after resolution solely because they investigated the incorrect accounts from the start of the investigation and did not look further into the ones that I knew were incorrect until I provided more statements to show the error in those reports. I have never needed confirmation that the verifiable accounts were correct, I knew they were and it frustrates me that they refuse to clarify the error caused by their lack of due diligence. I the issue clarified with the source that their accounts were never in dispute with me, despite what Equifax has told them so that they can remove that statement from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXGentlemen : I am forwarding a copy of the correspondence I previously sent on XXXX XXXX, XXXX to each credit reporting agency regarding errors on my credit report. I am requesting again that you please correct each error. 

I am also forwarding copies of information faxed on XXXX XXXX, XXXX, to Equifax and XXXX XXXX XXXX XXXX, Branch Manager of XXXX on XXXX XXXX in XXXX. This fax was to provide proof of the fact the Chapter XXXX Case was no longer active in connection with an application I had submitted to XXXX XXXX XXXX for a home equity loan. XXXX XXXX subsequently informed me with FICA scores of XXXX, XXXX and XXXX, I would need to provide proof from the Courts that I had filed Bankruptcy in XXXX XXXX to prevent fraudulent foreclosure on my home. 

The Bankruptcy Case was dismissed in XXXX XXXX. The Court action filed to foreclose on my home was dismissed with prejudice from XXXX XXXX XXXX on XXXX XXXX, XXXX ( CASE NO. XXXX ). My application for a home equity loan was denied until I could produce the evidence although I did not receive this decision in writing. My real estate has been paid in Full since XXXX. 

The foreclosure attempt was XXXX of the XXXX mortgage foreclosure attempts by this building contractor and his attorney reported to each agency over the past 17 years and I have strongly objected to and fought each XXXX. There has not been XXXX successful FORECLOSURE AND REPOSSESSION AS EACH CREDIT BUREAU IS REPORTING. EACH CLAIM HAS BEEN BASED ON NOTHING MORE THAN GREED AND VICIOUS INTENTIONS. 

Based on information and belief, XXXX XXXX is XXXX of owners of XXXX XXXX XXXX, Construction Contractors in XXXX, NC ; and, XXXX XXXX ( XXXX XXXX, XXXX XXXX ) XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX, created by Attorney XXXX XXXX XXXX, XXXX. It has become perfectly clear to me that XXXX XXXX was very much a part of the mortgage fraud scheme perpetrated against me by Attorneys XXXX XXXX, XXXX XXXX, XXXX XXXX, and others by allowing XXXX XXXX and XXXX XXXX to invest our mortgage loan funds in other investments, and stockpile the debt at XXXX XXXX XXXX as construction loans to XXXX. It is a fact the mortgage foreclosure and repossession currently recorded on my credit file is the direct contribution from XXXX XXXX and others. 

I am approaching retirement at this point of my life and have paid in full large consumer accounts. Is that a reason to have your credit score reach bottom level? Please review this and make all necessary adjustments or corrections. 

Thank you for your attention to these matters which are critically important to me. 

Yours truly, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( Comprehensive and Summary Fraud Reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX 2015 I noticed that Equifax has an old address as my current address and my current address as an old address. What is more, Equifax lists the incorrect current address ( i.e., my old address ) as being reported with an older date than the correct current address. I tried that day and today via online and telephone to have Equifax switch the XXXX addresses. The wait times for Equifax are inordinately long. The process Equifax wants me to go through to have the correction made because of their incorrect processing of my records is onerous. I am paying Equifax for a credit monitoring system and I am subject to shoddy record keeping and grossly poor customer service. Please have Equifax fix my record -- the record they are n't keeping correctly. Thank you. 

XXXX

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

Complaint narrative:
I have been the victim of ongoing ID theft and have several fraudulent inquires reporting on my Equifax credit report. I have sent Equifax a valid police report as well as other supporting documents. I would like for Equifax to please remove these fraud items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My loan throuhgh XXXX has been sold to Seterus and I was never notified. I called Seterus on XX/XX/XXXX and found out I owed XXXX to get paid up to date. I let the customer service rep know could pay it on XX/XX/XXXX, the total amount and that I would authorize the payment over the phone to be withdrawn no earlier than XX/XX/XXXX. I had deposited a check for the amount that day, however I knew it would take a couple of days to clear, so I gave her the date of XX/XX/XXXX. The rep said I 'd be all paid up through XXXX XXXX at that point. Seterus withdrew {$2000.00} on XX/XX/XXXX which of course was returned as my check had n't cleared, it went through again on XXXX and cleared, but now it cleared for XXXX. Not sure why that was the amount requested. However, on XX/XX/XXXX they withdrew XXXX. I realized this XX/XX/XXXX, as I was calling to make my XX/XX/XXXX payment. Of course, the rep had no clue and said someone would have to get back with me, after a lengthy hold of course. Two days later I called back as I wanted to make my XX/XX/XXXX payment so it would not be late, and was told they have n't figured out the problem, and I could n't make my XX/XX/XXXX payment as I still owed an additional {$4000.00} to be paid up to the date of XXXX XXXX. Again this was after a 45 minute hold. She said it was a mistake that the original customer service rep did n't give me the correct amount but could n't tell me why those amounts were taken, and on the unauthorized date. Asked me if I 've not ever made a mistake? Seriously, the rep that took my payment even had a supervisor get on the phone to authorize it. So I 'm requesting transcripts of the XXXX phone calls of made. Taking money out of someone 's account is stealing when it is n't authorized. I will be seeking legal counsel. They are the most unprofessional cast of characters I 've ever encountered. Not one person knows what they are doing. A complete travesty. I need some help as I was going through a horrible time, my mother was in XXXX, For 1 month and 1/2, thank God she pulled through, and is doing well but this is criminal., I stayed with her in the hospital, even worked from the hospital, as if I had n't she probably would n't be alive. Furthermore, upon discovery of this transfer, I made the phone call and agreed to pay them up to date! I 'm disgusted! Still have n't received their welcome letter, imagine that!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. XXXX and XXXX responded within time allowed saying they could n't fully verify and comply with the request so they took it off. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all XXXX reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX

Company response to consumer: Closed with explanation