vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
Seterus has added escrow payments to the loan they purchased without our knowledge or approval. The original loan did not include escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The reason I am filing a complaint against Equifax is because they have ignored my request to provide me with the documents they have on file to verify the account I disputed. Being that the 30 day period has expired without any verification of the account, It should be promptly deleted from my credit report as per the Fair Credit Reporting Act Section 611 ( 5 ) ( A ). 
Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Disputed an inquiry made by " XXXX XXXX '' on XXXX XXXX, 2014 to Equifax. I have n't done business with XXXX in nearly a decade and positively did n't authorize them to make an inquiry. 

Equifax responded that inquiries " are a factual record of file access '' and as such wo n't be removed by Equifax , regardless of whether or not authorization was given for the inquiry to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Called medical card and XXXX XXXX and they said these company 's are not aloud to bill me I 'm not reliable for these bills

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have XXXX Judgements on my Equifax report. XXXX and XXXX already investigated and deleted months ago. Equifax claims to have completed and verified the investigation however, I have documentation from the courts these cases have been dismissed and or vacated. I have sent this documentation to equifax on more than one occasion and they refuse to properly investigate. I have also sent a letter from the courts stating they do not and have never reported any information to any of the credit bureaus. Equifax is getting their information from somewhere else. I want this resolved as well as reported to the FTC in regards to Equifax not investigating and refusing to remove items that were not ever reported to them by the courts. I want them to pay fees for breaking federal laws and false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 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 contacted Equifax on XX/XX/2016 ; to dispute the account, and as of today, XX/XX/2016 ; I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax to dispute a collection item listed on my credit from XXXX XXXX XXXX XXXX. Equifax clearly has not validated this item with XXXX XXXX XXXX XXXX who has not provide me with any documentation showing that I was supposedly admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I called and spoke with representative from XXXX XXXX XXXX today XXXX/XXXX/XXXX who advice me that it is not XXXX XXXX XXXX responsibility or job to validate debt. Representative informed me it is the responsibility of Equifax to investigate item and determine whether or not debt reporting is accurate. I would appreciate if Equifax would do their job properly to truly investigate this item thoroughly. Neither Equifax or XXXX XXXX XXXX have mail to me any documentation to validate this debt. The representatives from XXXX XXXX know that Equifax or other collection agencies are not going to make them validate item and just wait out the 30 or 60 days required by Federal law to investigate disputes such as mine or just tell Equifax the item is valid if they just simply verify my social security number and/or address without providing any additional documentation to validate debit

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

Complaint narrative:
Item should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks

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

Complaint narrative:
I contacted Equifax over the phone to dipute XXXX accounts on my credit report that does not belong to me. The account s are XXXX XXXX XXXX acct # XXXX and XXXX Acct # XXXX. I have filed a police report under report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for credit and was told by XXXX XXXX that my credit score was XXXX on XXXX XXXX, 2016 and that is not true, How should Equifax correct this error with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I already wrote that I had always my XXXX when l go to hospital I do n't know why they bill me please help me I have XXXX for 22 years I 'm starting to XXXX XXXX bless whom could help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 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 have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Thank you for reading this complaint. I hope it will suffice to get the judgement removed off my Equifax credit report ( only on this bureau now ). I have been contacting this apartment complex ( XXXX ) off and on since 2011. Trying to get them to remove this judgement, which should not be on my report, and each time a XXXX manager admits they have no records of me living there and can not verify anything, let alone a judgement on me, and to contact the bureaus. I have done that and XXXX and XXXX XXXX have removed this item off my report a long time ago. Equifax has done nothing. 
I am now in the process of buying a new home for my family and this has become Priority 1 in my life. You can not obtain a mortgage with a judgement on your report. 

Please see the attached document and it stands as proof that XXXX XXXX does not have anything on record about me or a judgement. XXXX XXXX, the assistant manager, wrote the attached letter and I made a copy of her business card on the letter. PLEASE contact the apartment if you would like to verify any word of this letter. Since I have proof this can not be verified in any way. I am requesting Equifax delete this from my credit report. The FCRA, according to my understandings, has to delete either accounts that are not yours or unverifiable information. My attachment meets those standards and guidelines. Thank you for your help as this is SOOOOO Important to me and standing in my way of a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax refused to clean amounts paid the social security administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX offered me a pay and delete offer in XXXX, in which I accepted and paid {$93.00} in XXXX XXXX. XXXX cashed the check on XXXX/XXXX/XXXX and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt to a collection agency. I sent letters to XXXX with prove of the agreement/contract from XXXX and all they did was send me XXXX home phone bills from XXXX. It still did not show that I owed XXXX anything. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several collection accts that are not mine due to fraud XXXX and several credit inquiries that I did n't authorize but have been unable to have these iitems removed ... I have fraud alert on my report also police report number XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Over the past twelve months I have been manipulated and stonewalled by both my previous Mortgagee ( Greentree/XXXX ) and now my new Mortgagee ( Ditech ). They have held checks for months submitting some while returning or loosing others, un-applied payments that were cashed, changed the monthly mortgage amount three times and dropped my mortgagee provided homeowner 's policy after I submitted a claim, failed to provide my mortgagee provided homeowner 's policy information and payment details so that I can change it and confirm it is being paid correctly. Throughout this entire time I have spoken with the mortgagee customer service on the phone, over email and fax, as well as in person. They have not once offered clarification for their actions, costs, or how to cure my account. I believe I am currently in foreclosure and this belief is primarily due to third party solicitations I am receiving in the mail. I have been vigilantly documenting everything and following up with both the mortgagee on a monthly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is being filed against equifax. I have had my identity stolen and an account with XXXX XXXX credit card was established XXXX. I filed a police report and sent it to equifax requesting for the account to be blocked from my file in XXXX. They just disputed the account and did not honor my request to block the fraudulent account even though I sent all the necessary documents to have my request honored. I have spoken to their so called fraud department that is full of incompetent employees whom are all given scripts to read to customers and sound like robots. I submitted another dispute online recently but did not have the option to re upload my police report. I am requesting for this fraudulent account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Address is not correct. some information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Information on Equifax credit report shows a collection which is not mine. It shows only I have disputed amount ... did not dispute that. Account is not mine to begin with. It shows that I owe a bill from XXXX XXXX that goes back to XXXX. At that time I lived at XXXX XXXX XXXX XXXX XXXX. I ca n't even get service in this area from XXXX XXXX. This is not my account or bill. It should not even show up on my report as a collection. Either it is a mistake or my name was used fraudulentlyXXXX and Equifax {$4800.00} account reported on XXXX XXXX, XXXX Open with XXXX going back to XXXX. 
{$480.00} XXXX XXXX XXXX XXXX Creditoropened with XXXX Collections XXXX XXXX, XXXXPlaced for collectionI have been at XXXX XXXX XXXX XXXX XXXX since XXXX. I haveXXXX XXXX ONLY at this address no other cable. 
Obviously this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
No matter what i do All XXXX credit bureaus do not provide me a credit report. I suspect that something is wrong but without a copy of the report I do not know where to begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried for several years to get access to my free annual report from Equifax. Each time it fails and they do not allow me access to my credit report. If I go to a paid site I am easily able to obtain my Equifax credit report information. Equifax is illegally stopping me from getting my free credit report and has done so for years. The other XXXX reporting companies have no problem with providing my report only Equifax and only when it is free.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX not XX/XX/XXXX and I have never lived at XXXX places shown on my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation