vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX & acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It 's nice that consumers can view their credit report once a year for free. But it is not so nice that consumers are required by the credit reporting companies to join their credit monitoring service. Your credit score should not be held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
My name is XXXX XXXX, A new address popped up on my credit report. I do not live in XXXX XXXX VT this Addresses newly reported XXXX XXXX XXXX XXXX, XXXX, XXXX live at XXXX XXXX XXXX, XXXX, XXXX, VT XXXX. I have never lived at the XXXX address above and have no plans to. I have never worked for XXXX but have worked for XXXX for 21 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.

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 — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have recently disputed information in regards to XXXX with Equifax. XXXX went out of business because they were defrauding military personnel. If they review the date on my credit report from this company they will notice that I was also a victim. I would like Equifax to delete XXXX off my credit report due to the company filing bankruptcy and going out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a credit freeze on my account. FTC advice states that my report can be released to your existing creditors or to debt collectors acting on their behalf. XXXX XXXX Bank, an existing creditor, has sought my assistance in accessing my report. Despite multiple attempts & phone calls both by me & on behalf of me by the creditor, XXXX has been unhelpful in providing that access. Please assist me in helping this existing creditor have my report released. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. They are reporting an outstanding amount owed to XXXX XXXX XXXX for {$520.00}. This amount has been satisfied back in 2009. I have called both companies and neither XXXX of them are willing to removing this information even though it is incorrect. I have attached all the supporting documents showing that this account has been satisfied and needs to be removed from my credit report. If you have any questions feel free to contact me at XXXX or at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Equifax of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX Account Numbers and Agency ( s ) : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
We were involved in an issue where XXXX promised to help us and extend the payments out on our vehicle when my husband lost his job. One day they came and repossessed our vehicle. They sued us for the money and we gave them a settlement but it still shows on our credit and we want it to show paid on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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 sent XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had a credit card with Juniper/ XXXX and the interest went from 0 to 22 to 24 in less than 12 months. I called numerous times trying to work with them to get the rate reduced, because it was XXXX my payment too high for me to be able to pay it monthly. I called monthly for 3 or 4 months and they finally said the only way they could help was if I proved hardship. The Card rep said to not pay the bill for 2 or 3 months and then they would be able to reduce the rate due to hardship. I did not pay for XX/XX/XXXX, XX/XX/XXXX or XX/XX/2011 in hopes that they would reduce the interest as they stated. They did not reduce the rate, so I closed the account and borrowed money to pay it off. Is there any way to reflect this on my credit report or have this reporting corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In trying to co-sign for my Grandson to get an apt XXXX XXXX XXXX Apartments near XXXX State University in XXXX XXXX XXXX, they were advised by Equifax that someone using my Soc Sec had passed away in XXXX in 1992, also that I had lived in XXXX a city which I 've never been,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
My mortgage has been sold 3 times in the last 5 years. I started with XXXX XXXX XXXX Back, then I was sold to XXXX in the middle of my modification. As of XXXX 2015 XXXX sold me to Seterus. I had to call to get my Welcome package, my monthly bills change and are never the same amount. I have been told my escrow account was short from {$300.00} to {$75.00} and the latest amount of XXXX I paid and it was posted to the principal instead of the escrow. They have misposted my payments on a regular basis. I have been threatened with foreclosure for being a month late which I was not. I have spoken to XXXX different people including XXXX XXXX a manager who was rude and no one can explain why I owe money that I have already paid? I was paying the modification amount of {$1100.00}, then it changed to {$1000.00} now they say I owe {$1000.00} which includes the {$140.00} escrow shortage I already paid. I need help this company is very crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have several items to dispute, however the major one has been that one entity ( XXXX XXXX ) was not my bank, it was my husband 's and he died XX/XX/XXXX. Just recently, after a bankruptcy XX/XX/XXXX, I have been trying to reestablish my credit by getting a secured or other type of credit card and have been turned down for the reason the I am supposed to be " deceased ''. I put in a dispute with Exquifax tio start, and they, on two occasions ask me for other documents which I send them both times ( the same documents ). After 1-2 months I get an email that they finished the investigation. the link they send me to for results is blank and somehow brings me back to the beginning of creating the dispute process. I know I 'm not dead. The IRS knows I 'm not dead. I would imagine that a dead person does not have a credit rating, which I apparently do. How in the world can I get this resolved and then move forth with the other disputes to correct my credit reports with all XXXX agencies that are now listing me as deceased?

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 — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report from Equifax and it contained one public record which I have disputed and it came back satisfied and released. I have spoken to the clerk of both courts and have been told they do n't report nor provide any information to credit reporting agencies including Equifax. Moreover, court records do not list Social security numbers. I would like to know how Equifax verified this account and updated the status to satisfied and released. My SSN and the SSN listed in the courts do not match. So how does Equifax tie this account to me ( MY NAME ). My Social security number does not match what is in the court records. If the court records do n't match my records Equifax needs to have documentation that matches my exact XXXX digit SSN, if it does not Equifax must DELETE this account from my credit profile..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I was in the middle of the loan modification with XXXX XXXX XXXX when I found out that I was transferred to Seterus. I found out when my attorney called to get the status of the modification. I never received a letter from XXXX notifying me of the servicing transfer. When I call Seterus they were extremely rude and I was told XXXX different things. The XXXX was that on XXXX I spoke XXXX and was told my trial modification payment was {$1000.00} when I asked how they came up with that amount I was told from my original loan application, because they had not received any documentation from XXXX. I explained that my financial situation is very different now, and I was instructed to complete a new financial package - which I have submitted. I was also told that after the trial payments the new modification payment would go back to at least the {$940.00}. XXXX. I also at this time requested a copy of the good bye letter from XXXX and as of today I still have not received. On XXXX I spoke with XXXX XXXX and explained that I could pay half the trial today and the other half by XXXX. XXXX took all of my financial information and then put me on hold. Then XXXX XXXX the manager ) came on the line and said he could n't take a partial payment. When I explained that the payment could be accepted XXXX XXXX XXXX he said he did n't care what XXXX rules where and that Seterus would not accept. He also informed me that the payment was due on XXXX not XXXX as stated in the in my paperwork and that they would not take my payment. Since I was not getting any where we ended the call. On XXXX I spoke with XXXX XXXX who told me that he could take my payment on XXXX for the full amount. XXXX also stated that after the modification was completed the payment would be similiar to the trial payment. Then he said that they waiting on my documents to continue the review, and I reminded him that they were already sent, and then he changed his story and said they had the documents. He also said that the best deal was {$1000.00} and they ca n't offer anything lower. How can they say that when I have n't been reviewed yet? I have lived in this home since XXXX and would like to retain it. I spoke with XXXX different representatives and each said something different. I need to understand what options are available and how I can retain the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I do n't have knowledge of this hospital bill ... .i disagree with the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equiifax is reporting inaccurate information. They show XXXX, XXXX as current collections. All these accounts were paid & the companies agreed to remove them when they were paid. They classified it as a paid for deletion. All these accounts should have been removed in the most recent dispute with the company. I 'm not sure what steps they took in verifying these accounts but it looks like me they did n't contact the companies ... they just checked to see if my information matched their records ... this is a gross violation of the FCRA. I called them on the phone to inform them of the issue & they claim they do n't have any way to verify any account which a company has agreed to remove. They told me to contact the company ... my first question is how does a company know this information is 100 % accurate without communicating with the company directly? There are too many possible errors which can take place & my federal rights are not being protected ... I need all XXXX of these accounts to be removed at once. Here is the list of the accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation