vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX submitted a report for delinquent payments on a vehicle that was order by the court in Texas to be a sole responsibility of my Ex Spouse. Which is damaging my credit and hindering me from being able to purchase a home through VA. Requesting what can I do to have these delinquencies removed and no more added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) XXXX, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX ( s ), ( e ) Federal Reserve form XXXX XXXX ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX. in accordance with basel XXXX accord and XXXX. conventions. I also asked them to present the same documents from the following vendors/creditors as well as the original contracts so that I can verify the validty of my signature : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and they have not provided me with the requested information, Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted

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: NC

Complaint narrative:
XXXX XXXX XXXX reported me dead.. While after 10 days they have corrected their mistake I can not get verification from them for another 10 days so I can not open a credit card, rent a car as I have no credit card they have me stopped at every turn. The worst part is no one at XXXX XXXX XXXX can or will do anything to help. I simply asked for a letter from them emailed or faxed to me saying they made a mistake so I can open a credit card account.. That will take 10 days to go through their system and Equifax has 30 to 60 days to correct their report. This is unacceptable since they made the mistake they should be able to correct it immediately. XXXX XXXX XXXX customer service is awful. Hope I survive long enough to see this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My loan funded by XXXX was transferred from XXXX XXXX XXXX to Seterus, they lied to me once about a modification ruined my credit in the process, now they cheating me out of money for an Escrow account that I do not even have. They are dishonest. I am very afraid I have to watch them so closely, the problem is they are servicing loan for the government the same place I am filing a complaint. Now they are taking extra money in my monthly statement and can not explain to my why. This company has more complaints than any company on the planet but nothing is being done because they are working for the US government. First they took money for taxes but my taxes were paid Now they are taking money for HOA but my HOA dues are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.

Complaint narrative:
Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report shows an unknown address that does not belong to me, see following : XXXX XXXX XXXX XXXX XXXX, MI XXXX I would like to have it removed from my credit history. See attachment for detail. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have paid in full the attached accounts balances and notified the credit agencies, but the balances still remain on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Just filed for a bankruptcy and I got a discharged but some accounts do not show that they are in bankruptcy.

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

Complaint narrative:
I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. XXXX XXXX Credit refuses to submit a removal or resolve the situation with Equifax as Equifax needs XXXX XXXX Credit to start the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After viewing my credit report on XXXX XXXX, I see that there are XXXX inquiries from XXXX XXXX. I agree with the inquiry on XXXX XXXX, but I am asking for the XXXX XXXX inquiry to be removed, it should not be XXXX inquiries on my credit report from XXXX XXXX. I did not apply for the card until XXXX, which you can see on my credit report that is the same time the agency started reporting on my credit report. That is not fair or correct to have the XXXX inquiries. It should be just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute for my XXXX XXXX card because it showing that have XXXX thirty day late payments. The 30 day late that is showing for XXXX is not correct as I submitted the payment on XXXX and that is not 30 days late. That payment was paid and came out of my account before XXXX which would have been 30 days. The late payments need to be removed for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
ATTN : EQUIFAX I WOULD LIKE TO KNOW WHY YOU ARE CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT? AS I HAVE DISPUTED THE FOLLOWING INACCURATE PERSOANL INFORMATION WITH EQUIFAX BEFORE, AND ACCORDING TO THE LETTER THAT I RECIEVED IN THE MAIL DATED XXXX XXXX, 2016 CONFIRMATION NUMBER # XXXX IT CLEARLY STATES THAT THE DISPUTED ITEMS ARE NO LONGER REPORTING ON MY PERSONAL CREDIT FILE! I HAVE RECEIVED MY FULLY UPDATED COPY OF MY EQUIFAX CREDIT REPORT, AND THE DISPUTED ITEMS HAVE BEEN REINSERTED BACK ON TO MY PERSONAL CREDIT REPORT, AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY EQUIFAX CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT! 
THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EQUIFAX CREDIT REPORT, WHICH I HAVE LISTED BELOW FOR YOUR REVIEW : XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED : XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX THE INACCURATE ADDRESS INFORMATION WAS DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED IT BACK ON TO MY PERSONAL CREDIT REPORT, THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT! THE FOLLOWING INFORMATION LISTED ABOVE SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE! 

XXXX XXXX THESE INACCURATE TELEPHONE NUMBERS WERE DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED THEM BACK ON TO MY PERSONAL CREDIT REPORT, AS I AM SURE THAT EQUIFAX IS IN FACT NO DOUBT AWARE THAT THIS IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAWS. THIS INVALIDATED, INACCURATE PERSONAL INFORMATION SHOULD BE COMPLETELY REMOVED AS SOON AS POSSIBLE, FAILURE TO DO SO COULD RESULT IN {$1000.00} DOLLAR FINE PER UNDELETED ITEM. 

( PLEASE REVIEW MY SUPPORTING DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 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 requests to investigate and remove fraudulent inquiries from my credit report that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX a " paid coll '' XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by by these credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I tried to dispute these items thru Equifax but Equifax would n't allow me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XXXX6. XXXX XXXX GA - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XXXX XXXX, 2016 and one on XXXX XXXX, 2016. It 's been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least XXXX with all XXXX. 

XXXX. Through Experience XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
XXXX. On XXXX Reports in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX Reported is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment XXXX/Equifax - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: Signature Performance Tiburon, LLC
State: NE

Complaint narrative:
On XXXX XXXX 2015 a complaint was lodged with your agency in regards to misrepresentation of a debt I dispute and do not owe. Signature Performance Tiburon LLC was notified in Case Number : XXXX that I do not owe a debt to XXXX XXXX XXXX and that I am a Social Security recipient who is 'judgment ' proof. Signature Performance Tiburon LLC, acknowledged my request for 'cease ' communication in a response notice # : XXXX and assured me they would no longer 'harass ' me in regards to the disputed debt. On XXXX XXXX 2015 I received the same formatted letter from Signature Performance Tiburon, LLC dated XXXX XXXX 2015 referencing the same entity XXXX XXXX XXXX claiming a balance of {$20.00} dollars. Signature Performance Tiburon, LLC has left me no choice but to provide the Nebraska Attorney General 's Consumer Protection Division documentation of verification that they would no longer contact me or bother me about this issue as documented in CFPB Case Number : XXXX. Due to the response by Signature Performance Tiburon, LLC verifying their promise to leave me alone, I will be able to access monetary damages and pursue legal action against them as I will be able to prove an administrative process related to the case. Signature Performance Tiburon, LLC was sent a 'certified return receipt ' letter in reference to this matter as well. I have the actual receipt and proof of notice. It appears Signature Performance Tiburon, LLC does not believe I will pursue my civil legal rights to peaceful enjoyment of my home and phone. I can assure you I mean what I say as I have built a dossier against Signature Performance ( and XXXX XXXX XXXX ) as proof positive documentation ( and evidence ) to solidify my mission. Again, thank you CFPB for being a venue of valid documentation and evidentiary venue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, This is in regards to Seterus not following through with providing me a copy of the Deed of Reconveyance and the correction of my credit file with the XXXX credit bureaus in a timely manner. I have been calling and have sent letters to Seterus since XXXX XXXX letting them know that the loan was paid in full before the loan was transferred to them. In addition, Seterus as sent letters to me in response to my letter and complaints XXXX XXXX regarding that they are aware of the situation and will process my request accordingly. It has been over 8 months since they said they would process the Deed of XXXX and correct my credit file with XXXX. Furthermore, as a result of this, I ca n't sell or refinance my home and my credit has suffered tremendously. Finally, I would like Seturs to send proper documentation, which is a Deed of Reconveyance to XXXX XXXX of XXXX that the loan was paid in full and to correct the negative reporting on my credit reports from year XXXX to XXXX as soon as possible and so that I do n't lose on any gains. Thank you in advance for your assistance. Should you have any questions, please contact XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I applied for a XXXX $ student loan to pay for my first year of college because I had applied too late to qualify for fafsa. My grandmother co-signed for me and all was ok. I was in school for 3 years and it was n't working out for me, I had family issues and could n't find what I wanted to do with my career. So I dropped out and just was working. By the time I had to pay on my loan it was up to XXXX . As far as I knew if I was in school interest did not accrue. I also was working a XXXX job part time and could barely pay living expenses. I called to try working anything out and I got rude comments and asked me why my cosigner could n't pay. My grandmother was put in a XXXX in XXXX and passed away in XXXX. I keep getting calls and I have told them many many times that she has passed away and they make a note but always ask me if my cosigner can do anything. No she ca n't because she has passed away. That really hurts when I keep having to explain it everytime. Now I have XXXX kids and I want to try going back to school to become and XXXX but I just ca n't handle any more student loans. I took a XXXX course through a XXXX college that michigan works help pay for and have been in the XXXX field for 4 years and love it. Just wish I could get over this hump so that I could finish school and do what I was meant to do. It really is XXXX harmful when they bring up questions about my grandmother when I have told them countless times why she can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: NY

Complaint narrative:
Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief