vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I 'm tired of the bureaus ignoring me and not assisting me. I have inquiries on my file that I did not authorize and they are in charge of making sure that my file is correct and accurate. I reached out to them as well as the companies that put the inquiries on my file to no avail. I do n't understand why no one will assist me and the reply from the bureaus I receive is that inquiries are made when companies pull my file and are a matter of record. I do n't need an explanation, I need for them to be removed! I did n't make these inquiries, I didnt authorize them and they need to remove these immediately! 
Equifax unauthorized inquiries : XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax completed a dispute on XX/XX/XXXX, stating new information, this after the XXXX account ( closed ) for XXXX was re-inserted after it was removed in a previous dispute. Also. during such time the following un-authorized credit inquiries appeared on my credit report as follows : XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXXEQUIFAX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX - Dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX reported a late payment in 2009. I did not make any late payments whatsoever in this or any other account. I complained about this previously and I am sure it was removed at one point. Regardless XXXX has NEVER given proof that this was ever late on the account In this dispute with Equifax they also mentioned no information from the creditor yet negative info ( code XXXX ) remains on the account. 

This is ridiculous. No proof from XXXX ever about this and it needs to be taken off. Separate complaint against XXXX forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have my identity stolen ( actually identity hijacked ) by my former property manager and she filed a bankruptcy in my name to keep houses from going into foreclosure that she fraudulently pulled HELOC 's in my name. I have repeated contacted Equifax about this and they refuse to investigate other than to call the Court to see if a BK was filed in my name. I have a police report, FTC Identity Theft Affidavit, Handwriting expert sworn testimony corroborating my claim and Equifax refuses to remove this error from my credit report. The other XXXX bureau 's have removed this inaccuracy a long time ago. Please help me, I just want them to actually look at this objectively. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account is a result of ID Theft and has been expunged by XXXX XXXX as a result this need to be remove from my credit immediately : Liens And JudgmentsProcessed Date XXXXXX/XX/XXXXDate Filed XX/XX/XXXX-XXXXXXXXAmount XXXXDate Of Alert XX/XX/XXXX-XXXXXXXXCourt Name XXXX XXXX XXXXAddress XXXX, XXXXPhone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a free annual copy of my Equifax credit report. I was given access to it online. On top of the page, Equifax said that if I wanted to have access to my annual credit report for the next 30 days instead of just this one time, I need to create an account, which I did but as soon as I created an account, a new page popped up and I am now denied access to my free credit report that I had access to online before creating an account ( please see " Attachment # XXXX ). 

I have NOT disputed the issue with Equifax because all Equifax does is LIE, LIE, LIE. It 's a waste of time dealing with them directly. The only time they took me somewhat seriously was when I complained about them to the CFPB. Even then, they tried blaming me for their irresponsibility and failure to fulfill their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax, and XXXX placed fraud alerts on my credit history without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
IM not sure if i should make another complaint. but there 's no way of adding info to original complaint. this complaint is about what information equifax investigated on the XXXX XXXX tradelines the last time i disputed them online. EQ makes you pick a certain reason for disputing. when none of the choices were the reason i was disputing. i will upload these pages. so when i wrote in the comments section that i was disputing the payment history and codes and status of the XXXX accounts. i figured they would read that and investigate accordingly. but they didnt they just investigated the choice i made out of the XXXX different reasons to investigate. thats it. that 's why im making another complaint. i already disputed the XXXX XXXX tradelines again. saying in the comments again why i was disputing the same as above. i wanted to make this complaint before they screwed me over again. i believe EQ does this on purpose to make it easier to verify info. they never verified payment history, payment codes, reason for transfer. was due to XXXX discharge. my student loans were forgiven. and they never investigated any of that with XXXX pages of uploads to prove my point. after all that they only looked at the line i checked above. " The results are : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. '' thats the response on XXXX accounts. and even that info is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My Mortgage is handle by Seterus Inc. On XXXX 2014 I was granted a chapter XXXX bankruptcy by the court, the mortgage was not included on the bankruptcy, I never missed a payment and I kept paying the mortgage for all the past 10 months, I spoke with Seterus on tow occasions and ask them to please keep sending the monthly statement and they refuse to do so, also need to get access to my account online, I send a certified letter ( see attached ) and they refuse to keep me inform about my mortgage status, so please help me solve this situation, Seterus in a very arrogant way refuses to send the monthly statements and I do n't know what else to do, they even at first refuse to talk to me on the phone and I stated that I understand that the original lien is still accepted by me. 
Thank you in advanceXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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:
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 accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax blocks consumers who have frozen their credit files from being able to use the online XXXX site to get their free annual credit report. This violates the spirit, if not the letter, of the law. 
I spoke to Equifax about this. They assert that " for my security '' ( because I have a freeze ) they will not answer a credit report request online. This makes no sense. I have a freeze PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more security-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately making it harder for consumers to exercise their right to see their own credit report, in order to dissuade consumers from protecting themselves by setting up the freeze. Equifax must be penalized, and forced to change their procedures, so that consumers who have frozen their credit files can use the XXXX site ( or a direct Equifax web page ), along with their freeze PIN, to get their free annual credit report, in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Now that we were finally discharge from Chapter XXXX it did n't take no time for Caliber Home Loans to call me and harass me and tell me we owe for XXXX payment and XXXX payment XXXX. Our mortgaged payment is XXXX and we have been sending XXXX. We sent XXXX payment out the XXXX and they are saying we did not pay it. Also there asking for XXXX payment already and we just mail it. We have 15 days and they say we are a month behind every month. This is not right we have made our payments faithfully and the extra money we sent was for the modification that we though we had in XXXX and they fail to tell us after we were approve for it that they took it away. But they are saying we owe {$2000.00} which is a lie and then they said they will charge us a penalty every month for non- payment. Because according to them we are late even if we have 15 days to pay. I am sick in tired of XXXX, XXXX XXXX and now Caliber they are all evil and do n't care about the person only on how they can XXXX us over. We pay a high interest rate of 9.35 and they figure if they can say we owe nobody else will finance our mortgaged and they can take advantaged. We need this to be resolve again and taken care of as our payments are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Account is not mine. I disagree with the investigation. XXXX and XXXX both deleted this account. What information does Equifax have that XXXX and XXXX do not? If you have this information, please share. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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:
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 accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
someone has tried to steal my identity and tried to open credit cards in my name. there was XXXX hard inquires on my credit report from XXXX, cbna, and XXXX all done on XX/XX/2016 I sent dispute to Equifax and they said that they could do nothing that I would have to dispute with credit card companies. I called the companies and they could n't find a record of it except XXXX. so far they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reported a re-investigation for inaccuracies on XXXX accounts reported by EQUIFAX ( XXXX ). I never received this report from EQUIFAX and it is well beyond the 30 day time line. EQUIFAX started their investigation on XXXX/XXXX/XXXX and said report the XXXX was completed XXXX/XXXX/XXXX but I never received it. I called in to inquire about the status after waiting 45 days and the Customer Service Rep said she would mail out the results, which never came. I mailed a follow letter asking about the status of XXXX with a follow up investigation report. On XXXX/XXXX/XXXX Equifax opened up XXXX new dispute cases XXXX and XXXX. The dispute XXXX was completed XXXX/XXXX/XXXX and was not resolved with any resolution on information on where and how they received verification. The dispute XXXX was completed XXXX/XXXX/XXXX with no resolve or update. I did not request XXXX more separate disputes. I wanted the results to XXXX. 

Please assist me with what steps I can take to follow up on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
There are so many issues to complain about from FedLoan claiming it did n't receive my paperwork, to not crediting my account appropriately and claiming I did n't pay when I did ( thank XXXX for my bank records ), to once claiming I did n't submit my IBR paperwork in time to be processed, although it 's on record with them and electronically that it was ( they just failed to get to it in time ). All of this has resulted in a TREMENDOUS amount of added interest to my account to the tune of XXXX of dollars. I 've never been late on a payment, and they make it incredibly difficult to renew my IBR! It 's a game they play in order to get more money from people! In my latest struggle with them, they simply wo n't acknowledge that I have had a change in family income and family size. They told me it would be " at least 90 days because they are backlogged ... they are receiving hundreds of complaints daily ... my application keep gets pushed back because every time someone complain they get pushed up and my paperwork gets pushed down the pile ... '' I CA N'T AFFORD to pay for their incompetence!!! 
I honestly do n't know how this organization can be supported by the United States Gov. It 's horrific to think of how many thousands of dollars in interest I 'm responsible for paying because of their mistakes. It 's disgusting to think of how many other unsuspecting and trusting individuals are out there dealing with the same thing while NO XXXX with the power to help has. I simply can not afford to keep this up! How much more interest will I be charged for their negligence and illegal policies? Please, please, please help me and the thousands of other people who are simply trying to get the appropriate management of our loans. Fedloan causes me to have anxiety like nothing else ... .I know they are stealing from me and there is nothing that can be done except accept it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. These are the inquiries in question : Name of Company Date of Inquiry Type of Business XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
My husband and I took out a loan for our daughter to attend a private high school though AES/NCT. My husband I split up and it went into default. As of XXXX 2015 it was paid in full. XXXX XXXX has taken it off the credit report but it is still on the other reports. I have called AES ( American Education Services ) several times and have contacted the credit bureaus. The credit bureaus tell me AES needs to remove it and AES tells me they no longer own it so they wo n't remove it. I have disputed this several times with the credit bureaus, each time they tell me AES states that I am still responsible. As this has been settled through a third party ( XXXX XXXX XXXX XXXX. ), how do I have this negative reporting removed since this account has been settled?.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Md XXXXMy loan turned from XXXX XXXX to XXXX. I had a deferment until XX/XX/XXXX with XXXX XXXX. I received a letter from XXXX stating my loan was delinquent XX/XX/XXXX. XXXX representative said they would do a retroactive forbearance. In XX/XX/XXXX I called XXXX again because it was still reporting late. XXXX then gave a retroactive forbearance from XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.

Company response to consumer: Closed with explanation