vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I check my credit report and found that it have wrong information on there, so I contact equifax to let them open a dispute and told them this debt is not mines.They did the dispute, and inform me that they can not remove the debt from my report, because the company that put it on my report send them proof the debt is mine.I said to equifax to please provide me with your proof, equifax send me a document that did not have my name on there, I ask for a next dispute, after 4 dispute I ask for a supervisor, I told the supervisor of equifax the debt is not mine and I have been trying to get the company who is XXXX XXXX who put this false information on my credit report to send me some kind of proof that the debt is mine, the person at XXXX XXXX continue to give me the run around, I call left messages for day no call back, then this lady call back and said she will send me proof by email, I give her my email address, and I ask how long before I get back the info she said seven day, I said are you mailing it she said no it 's coming by email.I waited for 8 day no email just run around I reach out to her again same thing happen.I call back equifax and told them the problem they said they can not help me its up to XXXX.I said to the supporvisor you will allow a company to keep false information on my report and you did not see proof it 's my debt? Equifax said they ca n't help me, I would have to continue to reach out to XXXX. Equifax and XXXX have handle this station very poor in my book.Equifax allow XXXX to put fraudulent information on my credit report.The supporvisor said it nothing they can do to help me everything is up to XXXX.That is not fair at all and something needs to be done these big companies give the run around so you give up, not good on equifax and XXXX.I will up load information they send me that do n't have my name.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2016 I went to the official Equifax.com website and purchased what I thought was my full credit report with XXXX credit scores from the top XXXX credit reporting agencies, Equifax , XXXX and XXXX. I received my full credit report with credit scoring, which is not the XXXX actual credit scores. I understood that it was possibly my mistake, even though their language caused the mistake. I called Equifax on the same day, XXXX XXXX, and spoke with XXXX and asked what it was that I had bought. He told me that if what I prefer is the full report with the XXXX scores he would do the following : issue an immediate refund of my {$39.00} which would be posted to my account within 3-5 business days, confirmation number : XXXX. The next step was to purchase a credit monitoring trial for {$19.00}, which gives me exactly what I want, then cancel the next day, on XXXX XXXX, so that I am not billed for monthly monitoring services. I said I was happy to pay the one-time {$19.00} fee as long as I could cancel the following day and have a full refund of the first report. He said yes. 

On XXXX XXXX I now have my report with scores. I am pleased. Upon approved instruction from Equifax , I called back to cancel the trial. They told me it was cancelled and gave me a confirmation number of : XXXX. I did not, however, receive any email confirmation, as I had asked for, in both circumstances. Moving on. Before I ended the call I asked that they confirm my initial refund for {$39.00}. The service representative ( did not understand the name but he was male ) said that refund was not issued and that he would take care of it. Again, no email confirmation of this. 

On XXXX XXXX I still have no refund. I called Equifax and spoke with XXXX. He told me that no refund had been issued and that he had to escalate this to their investigations department who needed to review and approve such refunds and those take 7-10 business days IF approved. He told me this is how they all are handled and that he did n't know why the other XXXX Equifax representatives responded the way they did. Again, no email confirmation. 

Today is XXXX XXXX. It has been 22 days since this all began. I want my refund of {$39.00}. It is my hope that on XXXX XXXX, 2016 I am not charged with a monthly monitoring fee. If so, I 'll be going through this all again. Thank you CFPB for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hello., I disputed through the BBB XXXX accounts by a company called XXXX on my credit report thinking there would be no problem with them being removed. XXXX and XXXX removed them all as unverfiable. Equifax to the BBB that they verified the accounts, but I dont believe so. The information Equifax gave me was the exact contact information that was on my credit report. They did not give me names of representatives. Nothing. I am just very confused why they havent removed them. The other XXXX credit reporting agencies did. I also have XXXX more collection that is on my account that is reaching the seven year mark. I would kindly like it removed if possible. Its from a company called XXXX XXXX. I really did not want to open a dispute with them through the CFPB, but knowing the fact that XXXX and XXXX removed them all is really alarming to me. I am attaching XXXX documents showing that both these agencies did indeed delete them.I also would NOT like a message to the CFPB saying " we are working '' on it and making me wait a lot longer. I want this derogatory information removed upon receipt. Also Equifax has blocked me from opening a new dispute. In there dispute center. I put it in about 10 times and submitted. I have XXXX confurmation numbers saying these accounts are under investigation, but in actuality. I XXXX back into the dispute center and the dispute is if it has never happened. I would like this practice by Equifax investigated as well. I can provide all those dispute numbers in the future as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
equifax say that the items was verified but refused to answer the question for my method of verification, who did they speak with, the phone number they called and it took more than 30 days for my investigation

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 — Account status
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I was XXXX and on my XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations XXXX XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with Equifax under XXXX XXXX XXXX, XXXX. XXXX stated they called Equifax to have them remove immediately, yet Equifax is still showing as a collection and a balance due of {$70.00} with XXXX and not XXXX.Equifax is not using due diligence and is ignoring both me and MC. 
***XXXX removed from credit file yet, Equifax is still showing as a derogatory remark

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found an unauthorized credit card account, opened XXXX XXXX, on my credit report. It was opened in a town, over a XXXX miles away, that I lived in over five years ago. There were no charges on the account. 

I reported it to Equifax , on XXXX XXXX. Just yesterday, XXXX XXXX, I received their confirmation of dispute completion ; and they claim that they have have verified that it is indeed my account. Now, there are {$240.00} of charges on that card.

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

Complaint narrative:
I have disputed the incorrect accounts with Equifax multiple times now. They were included in a charged off bankruptcy and Equifax is the only credit agency that will not report them correctly even after sending them the bankruptcy paperwork to prove they were included. I called them multiple times and they make me sound like I am lying about the accounts. XXXX and XXXX XXXX report them correctly but Equifax does n't seem to care. This company has a duty to report my credit file correctly and has the power to make or break my credit. Why is it so hard to report my file correctly???

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to provide me with a supervisor when I as for it and instead their boiler room representatives hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are XXXX addresses in my credit report. Only the XXXX is correct. The others XXXX are not mine. The XXXX address was of my son XXXX. The post office number I never had in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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:
I have disputed items on my credit report with Equifax. When I contacted them in referenced to the dispute, most of the information they had and what I requested was incorrect. While inspecting the disputes they dropped my credit score drastically and when I asked " why '' was told because they are investigating disputes. Asked how they can do this when the disputes have not been resolved and everything remains the same and all of my accounts are paid on time, no satisfactory answer. Even though I dispute items, they still remain on my credit report., i.e., one account I never opened, received in mail that I have a approved credit with this company which they then reported to the credit bureau. I never used this account, there are no monies on this account and asked to have this removed. Equifax refused to remove this from credit report and told me basically to call them and get it resolved even though it is obvious the account was never used. I requested my mortgage to be added to my credit report as I have never been late with mortgage payments and would help my credit score sufficiently, they refuse to do that as well. Which I should have the legal right to add positive items to my credit report, showing payments and etc., not just a statement. They are terrible to do business with and very difficult to understand. Bottom line, I disputed items, nothing basically has been done and my credit score went down!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX I feel strongly the following may be hurting my credit because it BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. 

XXXX XXXX This is a formal request for investigation of this account 's account name, account type, and account balance. I believe this information may be inaccurate. Immediate removal of this item is required of you.. 

XXXX XXXX I feel strongly the following may be hurting my credit : account name, account type, and date of last activity. I believe this information may be inaccurate. I need this removed immediately. 

XXXX XXXX This is a formal request for investigation of this account 's date of first payment, credit limit, and account number. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX XXXX I feel strongly the following may be hurting my credit : date of first payment, credit limit, and account number. I believe this information may be inaccurate. I need this removed immediately. 

XXXX Account XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match what it says in my records. 

XXXX Account XXXX Can you please review the responsibility and current amount of this collection. I do not think it 's a 100 % accurate and remove this item immediately from my credit report. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not 100 % accurate and remove this collection immediately from my credit report. 

XXXX XXXX I XXXX Can you take a look at and review the collection type and number because it does n't seem right and remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX, CA XXXX XXXX XX/XX/2017 XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is currently reporting a student loan from XXXX that was PAID AND CLOSED as Current Status : 120+ DAYS PAST DUE this is NOT the current status - the current status is paid & closed. This is very damaging to my credit. I applied for a loan and was denied by the lender and they informed me that XXXX was reporting as currently 120 days past due when it is closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax, XXXX and XXXX keep reporting outdated negative information. I disputed a number of things over XXXX yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over XXXX yrs ago by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.

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

Complaint narrative:
I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XXXX and paid in XXXX. It 's being reported on my XXXX and Equifax report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
there are credit card in my name I have no idea about

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MO

Complaint narrative:
We keep receiving various delinquent notices from the mortgage loan services Seterus Inc. with threats of foreclosure. On XXXX XXXX, 2015 we sent them a letter with proof of payment for the dates they claimed non payment was made. We make the payments via cashiers/official check so there would be no risk of the check " bouncing '' and payments are mailed via certified mail. We did n't hear back from them but we kept getting late notices and late fees added to our account. On XXXX XXXX, 2015, we sent an inquiry letter asking for status of our XX/XX/XXXX correspondence. Again, we received the standard letter that they are researching our issue. 

Now it 's XX/XX/XXXX, almost six months later and no resolution except for the continuation of the harrasing letters and late fees added to our account. Now they claim we owe for the months after we sent our XX/XX/XXXX letter. This is the second time in less than two years that this firm has put us through this headache. We have provided evidence of payment and they fail to recognize and/or properly apply our payments to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.

Company response to consumer: Closed with non-monetary relief