vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I spoke with Equifax employee XXXX from the XXXX team on XXXX/XXXX/15 around XXXX to XXXX this phone call was recorded so you can go back and listen exactly what he told me. I asked him how do you receive this information from XXXX XXXX XXXX XXXX because they can not verify this information with myself the company does not exist. I was told that the investigation was only that the Collection company had to do was answer yes or no if the collection from XXXX XXXX XXXX XXXX was mine, there is no checking of social security numbers or address etc. XXXX himself said he gets a lot of calls from other consumers stating that this is not believable and more should be done to investigate disputes. Is this how disputes are conducted by Equifax? This to me does not meet the requirements of FCRA 611 ( a ) ( 1 ). Then I started to conduct my own investigation on Equifax and found out they are paid from companies to place these collections, no wonder they do n't want to investigate the accuracy, a simple yes or no is all it takes. I will be filling a complaint on Equifax and the collection company XXXX XXXX XXXX XXXX to the ILLINOIS ATTORNEY GENERAL OFFICE XXXX XXXX to see if I can get help to file a lawsuit or a civil suit on both companies. I will also start a social media page to see if any other consumers have had issues regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an erroneous tax lien held against me when I was a minor up to being about XXXX years old. I have got it fixed through the IRS, ( tax lien was filled under my name erroneously ). I have the letter stating that from the IRS that I am all clear and do not owe any money to the IRS. I went to the City to also have it cleared and have all the correct forms that they needed. So I am good with the IRS and the city. Big problem that I am running into is with my credit. I submitted all forms to all three bureaus. I had no issues with XXXX XXXX and XXXX dropping the tax lien the first time I submitted the request. Equifax has been giving me issues for almost two years now. I have submitted numerous request and they have not dropped this tax lien in the there system. I have even gotten an attorney through the military with no results ( due to we cant sue ) so he told to go through this first and then if this does not work to get a civilian attorney. I have not been able to get a loan in almost two years due to this lien that is still being held against me with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a medical collection reporting on my credit report from a company I do not have any recollection of doing business with ( XXXX. ) I have disputed multiple times with Equifax, only to have them reaffirm the account without providing any proof that the account belongs to me. For this reason, I want the account removed. I have disputed the account three times only to have Equifax update the account information, not provide me with information, and continue to mar my credit report. I am losing out on credit because of this, and this is my last resort to ask that it be removed off my reports before seeking legal remedies. It is not reporting on ANY OTHER CREDIT REPORTING AGENCY. Equifax has inserted this without proof it is mine, and continues to report a collection that is not mine on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Collection was oaid in full on XXXX XXXX. 
XXXX of XXXX placed me in Collections on XXXX XXXX. I found out about the collection through a credit report. 
XXXX failed to send me a Bill, after I sold my home in XXXX 2014, even though they had the forwading adress and phone number. The Lack of proper due dilliegence by XXXX and their poor customer Service resulted in a collection becasue they could not bill me. My bills were received by Email - no emails were sent and no regular mail was sent. After 22 years as a cutomer for that house and never being late, this is aphauling. 
Proof of Payment on the collection was provided by XXXX on XXXX XXXX when I made the payment by phone immediatly after finding out about it being ion collections form a credit report - See below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, COMMISSIONER XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NORTH CAROLINA XXXX XXXX TELEPHONE ( XXXX ) XXXX XXXX Payment Verification Date : XXXX Customer Name : XXXX, XXXX Premise Location : XXXX XXXX XXXX XXXX XXXX, NC, XXXX Payment Date : XXXX Payment Amount : {$83.00} Comments : Customer 's account has a zero balance on the final bill. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

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

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax will not remove my public record of bankruptcy filed on XXXX/XXXX/2008 which was dismissed. Florida Bankruptcy Court told me that it would only remain on my credit report for 7 years from filing date. All other reporting agencies automatically removed it after 7 years from XXXX/XXXX/2008. I disputed that dispute and they only confirm that it is correct and will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
One of the addresses on my report ( XXXX XXXX XXXX XXXX, KY XXXX ) is incorrect. I do not reside there, nor have I ever lived anywhere near KY. Please see report attached, and have it removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a DOFD letter to Equifax on XXXX/XXXX/16 via certified mail that was received by them on XXXX/XXXX/16. I have not received a response and, therefore, according to FCRA such items should now be removed from my report. There are several inaccuracies in this credit report including : 1 ) A collection account showing with no creditor name, 2 ) Various student loan installment accounts showing as opened that have been closed for multiple years and 3 ) Student loan accounts that are currently paid as agreed showing as collections. 
As these disputed accounts have not been investigated and responded to within the 30 days allotted by Federal law, according to FCRA, I am respectfully requesting that all items on my DOFD dispute letter dated XXXX/XXXX/16 be removed.

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 — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I got a rejection letter from XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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 refusing to investigate and remove some accounts from my credit report that do not belong to me and correct some accounts that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus continues to contact me after many months ago I notified them via the CFPB to stop contacting me until they can provide legal documentation regarding their servicing of the account. They have provide every document except anything that is any way legal and regarding the ownership and servicing of my mortgage. I have asked them several times to stop harassing me and have asked for the proper documentation multiple times as well and they continue to do nothing but harass me. 

I would also like the add that I never provided anyone my cell phone number regarding this account. XXXX 'farmed ' the number but assured me via the CFPB that they had removed the number from the account so I would also like to know how Seterus acquired my well protected personal phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AL

Complaint narrative:
Hello, Setursus mortgage lender took over my mortgage from XXXX XXXX XXXX and we have had problems with our payments going up because of our insurance, we purchased our own insurance where we have our car insurance, seturus was contacted from our agent and was told we will not be paying our insurance through them that it will be bank drafted through our personal banking account because my insurance agent and I had already had this taken care of, they were faxed the declaration by my agent and I also faxed it myself just to insure they received it. Seturus writes a check to my insurance company for a year payment over drafting my escrow account and still raising my payments after being told that we have our own house insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuse to remove Federal tax lien. I supplied a copy ofform XXXX XXXX ( Withdrawal of filed notice of federal tax lien release )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX fails to remove the XXXX CARD account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account Credit Limit is {$19000.00} and yet EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 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:
XXXX, had a " system error '' and request that I contact XXXX with no other recourse. 
and Equifax simply refuse to use the information provided, despite my verifying them, requesting instead for me to send by mail ALL my personal details, this is the second year they have done this, I let it slide in XXXX, I will not let it slide in XXXX, I think they are a corrupt organization trying to get me to pay for the information that they are supposed to provide free. I am not asking for credit score, I am requesting a document that by LAW I must receive. please investigate Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX XXXX Equifax removed a collection on my report and in XXXX of XXXX they put it back on my report the collection in reference is XXXX. I have disputed this collection XXXX or3 times since I have never lived in these apartments-my question is since they removed it in XXXX XXXX after 7 years do I have to wait another 7 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2016 I XXXX disputed XXXX late payments on my Equifax credit for my car loan company which is XXXX. I spoke with on of the supervisor with XXXX her name is XXXX XXXX who lied and gave me a fake confirmation saying that she talk with Equifax the loan will be place on my credit report. I called Equifax and Equifax informed me that XXXX have not submitted any paperwork. I had my lawyer to send Equifax and XXXX a certified letter to inform the companies about my complaint and once again both companies are not following the laws. As of XX/XX/2016 I have paid the total loan off and XXXX still havent place the loan for {$360000.00} on my credit report with out the XXXX late fee. My account # XXXX. I would like for these companies to place the loan amount on my credit with the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have tried to explain to Equifax that there are several things listed on my report that are not mine. This is getting to be a huge hassle! Because of them I have to pay a higher interest rate because they refuse to investigate properly. There is no other credit reporting agency that is listing these mistakes that Equifax does. They could n't be validating with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 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 disputed hard inquiries on my Equifax credit report on XX/XX/2016. There are a total of XXXX inquiries on that report. They claimed in less than 24 hours that all of them were factual inquiries. I do n't believe that they are and have disputed them several times. Each time I have disputed they tell me within 24 hrs that they are factual. I do n't see how they can physically verify XXXX hard inquiries within a 24hr time frame. I believe that all of the Credit Bureaus, XXXX, Equifax and XXXX just say that they are factual so they do n't have to delete them. I have contacted all of the creditors that have placed the inquiries on my reports and all have said that I need to contact the Credit Bureaus to have them removed. Have done this to yet still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS BEING DELETED AND RE-ADDED THAT ARE NOT MINES IS CAUSING ME GREAT HARDSHIP AND WILL HAVE NOT CHOICE BUT TO CONTACT A LAWYER. 

I have had XXXX accounts readded to my credit report. The more I dispute the more wrong my report is causing me hardship. I can also not get access to my credit report. 
Accounts re-added are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) accounts and XXXX that is more than 10 years old. 
These accounts are being deleted and added back each month. 
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Closed 1 Missed Payment {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been reporting incorrect information on XXXX Account # XXXXincorrect Open Date incorrect Payment incorrect Last PaymentXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CO XXXX Phone : ( XXXX ) XXXX times Equifax failed to verify correctly

Company response to consumer: Closed with explanation