vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Equifax. So the debt was paid in full. But Equifax still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX cable company requested their equipment after my account was closed and it was returned they never posted it nor updated my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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 have submitted several disputes for inaccuracies on my report. As of today, Neither Equifax nor the collection agency have provided me with any documentation as requested to validate the debt. I filed a previous complaint about the collection agency who admits to not have responded timely after receiving my dispute. They claimed to have flagged it as disputed but yet I have credit reports that are attached and show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed XXXX with equifax three times, they have a balance on the account of {$170.00} for my old card and {$280.00} for my wifes, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later XXXX put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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 keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX. 2016 I received a letter to XXXX credit regarding several inquiries on my Equifax credit report. I had sent them a letter disputing these inquiries. The letter to stated that I should dispute these directly with Equifax. I did dispute these along with many others which I did not authorize. On XXXX XXXX, 2016 I received a letter from Equifax stating I should dispute these with XXXX. I sent Equifax a copy of the letter I received from XXXX credit. I am not sure why they refused to investigate thesee inquiries, the letter said these were a matter of record and I should dispute these with XXXX credit. I sent a copy of the original XXXX response letter and a copy of the letter I received from Equifax to XXXX again. Once again I have received a letter from XXXX stating that these should be disputed via Equifax. This cycle is kind of like a puppy chasing its tail. Equifax is making it impossible to dispute the inquiries I sent in letter for. I believe the only way to get them to do their jobs it to file a complaint. I want Equifax to finally dispute the inquiries I sent them letters for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifaxhas fail to provide me with results of my dispute that I have initiated since last year on accounts closed and recent payments have been posted or accounts have been sold to different companies and they are still reporting them ( equifax ) as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX accounts have been discharged under a chapter XXXX bankrutpcy. The following accounts need to be removed from my credit report 1. XXXX XXXX 2. XXXX XXXX 3. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Reference CFPB XXXX I and a friend owned a rental property in South Carolina. Because of various hardships ( I can provide the letter ) we short sold the property. Seterus delayed the acceptance of the original offer on XX/XX/2013 for 6 months. During that time they started the foreclosure process, so it shows up on our credit report. On XX/XX/2013 they closed escrow with the person who made the original offer. 
XX/XX/2013 Contract for Sale signed by sellers XX/XX/2013 1st Settlement agreement XX/XX/2013 Foreclosure documents submitted in SC Court of Common Pleas docket XXXX XX/XX/2013 2nd settlement agreement signed by sellers XX/XX/2013 Close of escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I was not notified of a change in my mortgage amount to increase the escrow balance. I did not receive an answer to my email when I enquired why the on line amount for my mortgage due had changed. I never received any written notification that my mortgage had changed. So because on line info is often slow to correct, I ignored it for XX/XX/XXXX and paid my normal mortgage amount. When my online statement showed an even greater balance due in XX/XX/XXXX, I called the bank, found out the error, and paid the difference owed. They did not inform me at that time that my previous mortgage payment was applied to principle, not credited as a mortgage payment so I remained delinquent even though I paid the amount owed. That was reported to the credit bureau because they do not record partial payments of mortgage payments that are more or less than the exact amount. So for three months, I did not know about the error, and did not correct it until a collection agency called in XX/XX/XXXX to collect my XX/XX/XXXX mortgage payment. I was able to correct it all with the bank but they would not change the report to the credit bureaus because they said it was my error. 

You can see on my banking statements that I paid {$1400.00}. to my mortgage account XXXX in XX/XX/XXXX, and XX/XX/XXXX, then {$70.00} extra in XX/XX/XXXX and the rest of the balance due of {$1600.00} to cover the difference between {$1400.00} and {$1500.00}. the XX/XX/XXXX partial payment went in as reduction in principle and when I paid the extra amount owed, no one told me it did not fulfill my p=mortgage payment for XX/XX/XXXX so that delinquency remained on my account and was reported to the credit bureau. All finance charges were reversed, and XXXX acknowledged never answering my email inquiries or sending me notification of the mortgage payment change. They said it is my responsibility to find out about changes and prevent partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing an account that is reporting on my credit reports that are due to identity theft. There is a XXXX XXXX account that was opened up in my name frauduantly. I have disputed this time and time again. Finally XXXX has confirmed it was identity theft and was told they are removing it from my credit report. However I just received an e-mail result from equifax stating there investigation shows that this account belongs to me. I am furious that this is still continuing and it is affecting my credit score and me in obtaining credit. I have called XXXX XXXX thousands of times requesting how I go about reporting this fraud account? I was told I need to fill out a form. ( I requested that form to be sent to me and never received it ). I am about to spend the money to obtain an attorney to sue XXXX XXXX as they keep reporting this fraudulant account on my credit report. This is beyond ridiciulous and I am going to be taking further action because it is affecting my credit. I am being held responsible for something I DID NOT DO. I am submitting this complaint in hopes that this gets cleared up and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, my name is XXXX XXXX XXXX ( My father 's name is XXXX XXXX XXXX ) my fathers ' social security number and mine different only by the last digit, due to the fact that we arrived in the U.S. Together In XXXX and were issued social security numbers back to back. So, for the last XXXX+ years his credit cards, houses and autos are showing as mine as well as of right now my credit report is showing : XXXX credit cards, XXXX mortgages, and XXXX auto loans, out of those the only thing that is mine is XXXX auto loan from XXXX XXXX FOR {$9300.00}. I 've tried to solve this problem contacting creditors on my own and also through a lawyer which was expensive, and again he is up to his credit mess, and We are in the market to purchase a house but due to this mess we are not able to. My family and myself would appreciate your help at this point. Not sure what I can do as he will not stop opening credit cards to transfer balances, etc. I do not have a single credit card, because I do n't want to complicate the situation further. Please help! Please see all attachments below, and if you have further questions, please do not hesitate to call. 
Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am having issue with negative medical bills on my credit. 
I do n't even know what to do because I have tried everything. I can not get the credit agencies to tell me any information about the credit. I have XXXX insurances so all my medical is covered at almost 100 %. So I know they are either not my debt or the medical bills were not processed through the insurance companies. I have called over and over. Disputed the debt. I do n't know how to proceed. This has negatively damaged my credit. No one has been able to help me. Now I am getting calls all the time from a debt collection agency that I believe bought the debt. As a consumer what can I do? I did my part by providing the insurance information. They do n't want to process it. Why should I have to pay full medical bills when I have insurance but the offices failed to file the paperwork? Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Last year I contacted Sterus, Inc. about my inability to contact them with regard to my mortgage modification I have with them, I was not receiving documentation and was unable to send communication or speak with key departments, such as escrow or insurance. After about three months of this last year, the communication was fixed and I did receive my documents and the link on my account with this company seemed to be corrected. 
In XXXX, 2015, I contacted customer service to discuss my insurance which is included in my payments, actually thinking I was speaking to Seterus, Inc., but in fact was speaking to an outsourced divison in NC. In any event, they failed to take down my notes on insurance changes and no one got back to me. My new agent tried to handle this for me and they refused. I was trying to reduce the cost of my insurance to keep my payments the same or lower because I am on a low income. The current insurance company continued to raise their rates and its almost XXXX a year. I found a company to do the same thing for XXXX. After the phone call from my new agent, I called to speak to Seterus and they advised that an escrow analysis is currently under way which means that the negligence of the call center may cost me my house. Also I have notified the company more than once, that it was my intention to change insurance to keep costs down. So today when I called I was upset to find out not only did they refuse to pay the new insurance, they had paid the old one early. In speaking to the insurance department ( customer service did not help me at all here either ), I found that if approved the new insurance it would create a deficit in the escrow that would drive my payment up to an amount I could never afford. I needed to send a message to the escrow department to either hold the escrow analysis for a month or simply ask their advice on this matter since it is their common practice and it does DIRECTLY IMPACT MY MONTHLY PAYMENT ARRANGEMENT WITH SETERUS. 
I asked the supervisor ( XXXX XXXX ) to notate his refusal to contact the escrow department, or his refusal to make notes for the escrow department and also to contact yet again the IT department for the website, so I can send a letter via email to Seterus. 
I need to speak with them directly to clarify how to handle this expeditiously and keep my payment down. It just seems to me that they are trying to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Was unable to retrieve my annual credit report from Equifax online. The questions were deceiving and there were some where i could have chosen more than XXXX correct answer. I also had a copy of another credit reporting agency so i knew the answers were correct. My wife also tried to get hers and had the same problem. I also sent in via mail the documents to show and all i got was more letters stating to send in more of the same documents. this happened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.

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

Complaint narrative:
Rec 'd a notice of hard inquiries on my credit report XXXX. We are not applying for credit nor trying to increase any credit cards. Why a hard inquiry in notated on my report is unknown and is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to continue my fight against Equifax reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from Equifax. This is not fair. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report with Equifax. I mean why delete ally payment history and leave me with nothing to look at and nothing to say besides that this is NOT my account and it is not correctly reporting any information, therefore remove it, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did n't report XXXX XXXX XXXX XXXX, XXXX, CA XXXX as one of my Address

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting that I have an outstanding debt of over {$2000.00} on an XXXX XXXX XXXX account, which has now been turned over to a collection agency. I have never opened an XXXX account, however due to ID Theft, I have disputed this with Equifax in the past and the account was removed. Now they are reporting this debt in my name again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had submitted a complaint : Case number : XXXX regarding XXXX XXXX XXXX Account number XXXX. Equifax responded " Equifax has reviewed the complaint and its records. The disputed XXXX XXXX XXXX Account number XXXX account is currently not reporting on the credit file. Written confirmation was mailed on XXXX/XXXX/15. " A review of my Equifax credit report on XXXX/XXXX/2015 reveals that Equifax continues to report this account with payment history of " Unknown XXXX XXXX Days Late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
disputed with equifax and was removed and then reinserted. i wrote to court cause i did not file bankruptcy in XXXX, XXXX and XXXX and ask could be a computer error. They responsed that they do not verify or validate those bankrupty. ( see attached )

Company response to consumer: Closed with explanation