vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I 've disputed these public records multiple times and provided the proof that they are reporting these XXXX accounts inaccurately and they fail to remove them or correct them, which is in violation ofthe FCRA. XXXX removed both of them because they could not verify them, as they did not have first hand knowledge, and no proof that these accounts were reporting correctly and Equifax repeatedly comes back saying they are verified. Both have been released or satisfied and yet they are still reporting a balance and dates that do not exist! These XXXX must be removed immediately. 

XXXX XXXX XXXX - XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately! 
XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is something from XXXX on my credit report and I know nothing about any outstanding bill from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX recently submitted a negative remark on my credit history with Equifax. I had PMI ( private mortgage insurance ) on my property and the amount they say I owe them should be XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The name XXXX XXXX is listed on my credit report and an address in XXXX. My name is XXXX and I have never lived outside of the state of XXXX. I also do not have XXXX credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
All credit reports show that I live/lived in Texas, I have never lived in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the original creditor as well as Equifax numerous times by both US postal mail as well as telephone to report that this account is erroneously being reported twice on my credit report. I have received no resolution and this account continues to damage my credit report. 
The account in question is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
To whom it may concern, I am disappointed with the work that the company does Eppic cards, looking at my accounts note many irregular transactions that notify and dispute, waiting for a solution from your fraud department, your results have been very negative and unprofessional, I asked for evidence that was never sent to me and they offered it themselves, I want to do an investigation and their work is more efficient to the favor of their clients, it is too stressful to look at amounts collected rather high and only receive a letter with its inefficiency. I ask for more professionalism from this department.

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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX has an account on my Equifax file that is outside of the federal obsolescence time frames for remaining on the file. The XXXX delinquency prior to charge off was before XXXX. I disputed this with all XXXX bureaus. XXXX XXXX and XXXX properly removed the item. Equifax left it on which puts them out of compliance with the Fair Credit Reporting Act and ( at the very least ) guilty of negligent non-compliance under the Act. The account number is listed as XXXX. The open date is XXXX. They list an activity date of XXXX ... but this was an adjustment date by XXXX XXXX and not a payment date that brought the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?

Company response to consumer: Closed
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I 'm on monthly payments under Bankruptcy Chapter XXXX to stop the foreclosure, my Attorney try to get Loan Modification and the Bank denied all the time, which I 'm paying very high APR XXXX since XX/XX/XXXX.XXXX on XX/XX/XXXX sold the mortgage to Seterus. I would like to know if qualify about the high interest or some thing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to resolve this issue with Equifax for over four months with written requests and certified mail requesting " 3 '' times for this single incorrect unverified information to be removed from my credit report. This is not my debt and this has negatively affected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a member of XXXX. I noticed that my Equifax credit score dropped XXXX points in the last week. This did n't make sense to me since I just paid substantially on XXXX credit cards lowering my credit utilization from XXXX % to XXXX %. When I contacted Equifax to tell them they miscalculated my score they refused to give me any information or look over the score for an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
I am refinancing my home and have mortgage insurance. My current mortgage provider is Seterus Inc. Loan number : XXXX. I have requested a copy of my current mortgage insurance certification. I have personally called 8 times and have spent about 6 hours on the phone only to be put on hold, transferred and then never provided what I am requesting. This is holding up my refinance and rates are going up. I would like a copy of my current mortgage insurance sent to me directly XXXXXXXXXXXX or fax to me XXXX XXXX asap. I also file a complaint a month ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submit a request for an annual report from each of the XXXX credit reporting agencies. XXXX and XXXX have my correct birthdate. Equifax does not. I have gone through the prescribed procedures to correct their error. I have repeatedly submitted my birth certificate etc. ; to no avail. As a result I can not download my credit report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I had disputed a bankruptcy that has appeared on my credit report. Today XX/XX/XXXX I called eqiifax regarding the outcome of the investigation since its been over a year. There response was it was still under investigation, So I questioned the CSR do you abide by the the laws set-forth under the fair credit reporting act. The CSR response was yes. So my answer was to him under the fair credit reporting act its been over a year it need to be removed because it was not verified. Again his response was its under investigation. This is the issue at hand and needs to be resolved its like they are above the laws set forth under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Good Day, recently I 've attempted to get some information removed from my credit report which still shows that a IRS tax lien is applied to my account. This lien has been released for approximately a year now and has not been removed from my credit report. I 've contacted Equifax XXXX on this matter and each time they simply reaffirm the fact the lien has been released yet fail to remove it from my credit report or reflect the fact that it has been released. Also it would seem that they are allowing companies to change the date of when derogatory remarks were applied to my credit report to allow them to reflect poorly upon me for a longer period of time. Any help in this matter would be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax credit bureau has reinserted an account that was previously deleted off of my credit report. I have disputed this account with XXXX XXXX XXXX in the past and it was removed/deleted from my credit report. I have disputed this account because they have not sent my documents to show that this account belongs to me. I have attached copies of my credit report showing that it was deleted showing a XXXX balance but then in XX/XX/XXXX Equifax allowed XXXX XXXX to report this account on my credit report again. I have disputed this account twice with Equifax and they have sent me a response that this account is proven to be mine. Equifax nor XXXX XXXX XXXX have sent me any information as requested to show this account belongs to me. I have not got any notices in regards to this account. I have obtained an attorney to dispute/investigate this account and by law the account should not be reporting a balance or negatively against me while in investigation. Please have Equifax remove this account from my credit report and correct the errors that have been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The question ( " Have you disputed the issue with the credit reporting company and received a final response '' ) is two-fold ; I answered Yes because I have disputed the inquiry, but on the second part of the question, I have not had a final response yet. 

I was notified by XXXX that an inquiry was placed on my Equifax credit report by XXXX in XXXX of 2015. I am not, nor have been for almost 10 years, a XXXX customer. I have not called them, not spoken to any of their representatives through phone/email/etc, nor have I applied for any of their services. I therefore did not authorize XXXX to access my report. A small XXXX search to learn how to approach this issue yielded numerous news articles about XXXX being taken to court for illegally pulling credit reports. This behavior needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently applied for a mortgage thinking that my credit was OK to proceed, but a disputed issue with Bank XXXX XXXX popped up after I thought it was resolved back in XXXX. I was divorced in XXXX. My X previously forged my signature on XXXX docs & I got that cleared up, but he also forged my signature ( I guess ) & gave me a credit card which I thought was a joint acct with XXXX XXXX XXXX. That was in XXXX. I never had anything to do with him before that & Bank XXXX says I opened that acct in XXXX. That 's when he was divorced from his XXXX wife. Seems that I was mistaken for her previously. My issue is with a credit card I never opened/signed for or even wanted. The acct # they are claiming was mine is not the card # I have on record that my X gave me. He is a real crook, thank XXXX we are n't together anymore. He opened & closed several accts & was xfering $ back & forth. The divorce settlement is not closed because he still owes me over XXXX to this day. I might never see that money. He also filed for bankruptcy but the claim was denied. He wanted to get out of paying me. Anyway, XXXX says the said acct was charged off & worth over XXXX. The XXXX mtg lender denied me based solely on that information that I thought was closed in XXXX. I learned about it at XXXX back when I was trying to establish my own credit after the divorce. I was in touch with all XXXX credit agencies & they posted my letters of dispute & fraud. XXXX never said another word. I thought I proved my case so I lived my life till now. My question is how can they take it off my credit report & then put it back on? If it was charged off how can any lender use that against me? What do I have to do to restore my credit? Is this legal, what is happening to me, or do I have to get a Lawyer? I really want to be established here & have found the perfect home for me. I am very depressed that this is happening to me based solely on what my X has done to me. He even stole my car at XXXX pt, but the Judge made him return it or go to jail. My X is such a jerk I want him punished for what he 's done to me. What should I do? Please be so kind to give me some assistance. I 'm at the end of my rope now. Please do not delay to write back soon, I am desperate. Thank you very much for listening ( reading ). I have no way to attach any documents so if you need anything I have tons of paperwork, whatever you need just let me know & I will get it to you somehow. Thanks again : )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a judgment on my credit report with Equifax and they did not remove the judgment from my credit report. The judgment was filed in New York state and New York state law dictates that a judgment shall only be reported for 6 years. I called and spoke with the representative and he hung up on me when he was unable to resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
XXXX XXXX, 2015 : I had not received a monthly statement from Seterus. 
*I called to find out-XXXX at Seterus from the toll free contact number and she explained to me that their computer program had changed internally. For the past several years I have been paying extra each month with the overage going to principle only. These payments are made electronically. XXXX 2015 this all changed. 
XXXX XXXX, 2015 : I called again and talked with XXXX and she re-stated the same problem as on the last phone call. 
XXXX XXXX, 2015 : I called again and talked with XXXX and he once again stated they were having computer programing issues. 
XXXX XXXX : I still have not received a XXXX statement. XXXX XXXX again stated they were not able to provide a XXXX 2015. I told her that I was ready to make my XXXX 2015 and wanted the extra amount over the regular payment to be applied to principal only. 
XXXX XXXX, 2015 : I checked my account on line and saw that the XXXX payment was received and the extra funds were not applied to my principal. I called and XXXX said she would look into the problem I have been having and called me back on XXXX XXXX. That did not happen. 
XXXX XXXX, 2015 : I spoke with XXXX XXXX at Seterus and was given the same story from all the previous calls. Each time I requested to speak with a supervisor and was told none were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Disputed Bill as paid. Equifax refuses to remove bill and shows the account as being OPEN. The account was closed and removed by billing agency do to age. 
EQUIFAX : Account # XXXX OPEN Balance {$240.00} XXXX Original Creditor Qwest {$240.00} High Balance XXXX XXXX, 2013 Opened Date XXXX XXXX, 2013 Last Reported Individual Account. 
Responsibility Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed that the balance with Equifax.A balance incorrect on my credit report for a particular account XXXX. They are reporting that I owe XXXX but my account balance with XXXX is lss than XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On a few separate occasions I have disputed with all XXXX credit bureaus Equifax, XXXX, and XXXX pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A cable provider, XXXX XXXX, filed duplicate accounts on my credit report with XXXX. I contacted XXXX and informed them that XXXX XXXX filed duplicate accounts on my credit report. XXXX states they are n't on my credit report, " The disputed accounts XXXX are currently not reporting on your Equifax credit file ''. However, they are still showing on my XXXX credit report which still shows XXXX derogatory accounts, all of which are from XXXX XXXX, and XXXX of the XXXX are duplicate accounts. 

It 's frustrating because I 've contacted XXXX XXXX several times to get the final balance owed resolved. I cancelled my service when I moved from the address to which they provided service and they have the record showing I cancelled my service. However, they continued to charge me for the monthly service and the equipment rental because the equipment was n't returned immediately. Even though I was n't using the equipment and had moved from that location, they kept charging me the monthly service. 

So, XXXX XXXX said they would contact me with the " final '' amount they 'd accept. They never contacted me, and each time I contact them I go through the same experience. No one knows how much I owe them, and because the records are so old they have to research the amount I owe. 

I 'm in a never ending circle of incompetence. The XXXX accounts with the same exact balances show on my credit report as XXXX accounts, and XXXX XXXX ca n't give me an amount I owe them to get the XXXX accounts off my credit report. Craziness! 

So, I 'd appreciate if you can help in any way. It would be helpful to get the XXXX derogatory remarks reduced to XXXX, and to help me get a final balance that is fair so I can pay XXXX XXXX and get the XXXX accounts off my credit report. Otherwise I ca n't pay them and I ca n't get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

Company response to consumer: Closed with explanation