vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX/XXXX/2015, I spoke with XXXX XXXX XXXX Collection Supervisor ) of XXXX XXXX XXXX. I was told by him if I were to pay two collection items, XXXX in the amt of {$250.00} each, he would email me a letter of deletion to submit to all 3 bureaus. XXXX told me to send the letter over and the items would be deleted from my credit report. As advised I sent the letters provided to the 3 bureaus, and on XXXX/XXXX/15 I contacted Equifax to find out the status of the deletion. The representative from Equifax advised me that they contacted XXXX XXXX XXXX and they told them to update my report showing on of the XXXX items has a {$0.00} balance and update the other one as having a balance of {$200.00}. When I researched my receipt from XXXX, they XXXX show I paid two payments of {$250.00} which left a {$0.00} balance on the accts paid to XXXX XXXX XXXX. When I explained to the rep at Equifax that the item for {$200.00} to the same company XXXX XXXX XXXX, its a totally different account number, she stated that the rep at XXXX told her it was owed on the acct I previously paid. I then went back to my Equifax Reinvestigation Results dated XXXX/XXXX/2015, and it showed the item in the amount of {$200.00} for XXXX XXXX XXXX was deleted from my account in that investigation. It seems XXXX XXXX XXXX has placed and item that was deleted from my report to an item that I have already paid and have proof it has a {$0.00} balance. On top of this fraudulent activity that has be readded to my credit report under a paid items acct number, XXXX XXXX at XXXX did n't uphold the terms of our agreement, which was to give a full delete of XXXX items paid. I would like this investigated and all XXXX of the items deleted from my bureau as agreed upon by the reporting company XXXX XXXX XXXX Supervisor XXXX XXXX. I have attatched the email receipt from XXXX XXXX XXXX showing the acct was paid in full, my Equifax Reinvestigation Report, showing the item for {$200.00} with a totally different acct number was deleted, My most current credit report showing the {$200.00} was placed under an acct that has already been paid, My XXXX bankstatment showing I paid {$510.00} ( which is {$250.00} XXXX ) to XXXX in XXXX, and also the deletion letter XXXX XXXX provided to me by email after paying the items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I requested to have my employer updated and address corrected. Although, the employer was updated the address was totally messed up. This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax , XXXX and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Equifax credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
No matter what web site I go to I can not get a credit report or my XXXX scores

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Seterus did my yearly Escrow Analysis on my mortgage on XXXX/XXXX/15 and am entitled to a refund of {$1000.00}. According to the Statement I received that refund was to be sent to me within 30 days. I have contacted them 3 times about the status of my refund and they lie to me, giving a specific week that they never meet and giving excuses. This is my money and they have no right to hold on to it. There must be some kind of law that they are breaking and I feel that they should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on EQUIFAX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number EQUIFAX kept saying the investigation stated that the account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Recently I disputed item XXXX with Equifax. They verified it as accurate, which I found very hard to believe. Pursuant to the Federal FCRA, I invoked my rights to understand how they investigated this incorrect item. Equifax failed to respond to this lawful request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a workers comp medical bill submitted to the XXXX ( workers comp insurance company ) back in XXXX. They somehow managed to mishandle that payment and I then received a collection notice in XXXX. I finally got ahold of XXXX and they apologized and promised to take care of it. After an entire year of trying to get this resolved XXXX swears the check is in the bank to the department of treasury as of monday. I submitted a dispute to Equifax showing that this was a workers comp bill and i was not responsible for this bill XXXX was. I also submitted copies of the emails back and forth from the military hospital and XXXX from XXXX, stating from XXXX they would handle the bill. I also sent Equifax copies of the emails from the last year showing XXXX apologizing for the mistake and promising to fix immediatley to prevent credit report damage. 
equifax then did thier investigation and said that department of the treasury verified the collection and they would not remove the negative information. Even though they have and acknowledged that this is a workers comp debt and they have the documentation showing the insurance was responsible. Equifax , after an hour on the phone even said that even though i sent them proof that i was not responsible for the debt, they will not remove the negative information because the " creditor says it is valid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX and XXXX have not changed my credit score in over 12 years. 
I have documentation to prove that my credit score remains the same and they never change it. 
I have had several items removed from my credit and they have never changed the score.

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

Complaint narrative:
We. File. Bankruptcy. In. 2011. All. Been. Cleared. XXXX. It 's, from. Equifax. A. Credit. Card. For. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
A collection on my report needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has claimed that account details have been verified without any documentation in regards to accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX yet I am the only party providing documentation against all these fradulent accounts. I would include XXXX XXXX but I will take Equifax at their word when they claim that this account is no longer on my report. I have provided a settlement agreement to Equifax reguarding XXXX XXXX XXXX when I used ther representative in court and the settlement clearly states that this debt can never be collected on by anyone, yet Equifax reports this because someone says so. XXXX XXXX XXXX has refused to provide any agreement in regards to this account, yet Equifax reports them because XXXX XXXX XXXX says so. XXXX XXXX XXXX has never stated what was on this account and if it is a computer, has never tracked down where this computer is, yet Equifax reports it because XXXX XXXX XXXX says so. XXXX XXXX XXXX has changed the address and names on the reported account, yet Equifax reports this because XXXX XXXX XXXX says so, XXXX XXXX XXXX claims to have filed a document that reports their account as income, yet Equifax reports them because XXXX XXXX XXXX says so. I am the ONLY party providing documents yet these accounts are reported because someone says so. I am including a letter from XXXX XXXX XXXX through the CFPB showing that XXXX XXXX XXXX claims to have filed a XXXX and that they are holding my credit ransom on a fradulent account by continuing collections, I will also provide a document from XXXX XXXX XXXX that shows a second name and that the name is my wife 's yet her maiden name is on it, almost a year after we were married on XXXX XXXX, 2012 and after my wife did change her name at a XXXX XXXX XXXX branch in XXXX Virginia XX/XX/2012 with a social security card and a drivers license with her married name on it and provided a copy of her card to Equifax. This is the last time documents will be sent before I file my lawsuit against Equifax. I have tried to keep this out of the courts but Equifax refuses to give me a fair investigation. Name, Address, Social Security Number, and Date of Birth being provided by a company is not the result of a fair investigation, as someone had this information to set up these accounts. Everything else that was reported months ago had shown fradulent activity and were removed so what makes the last XXXX accounts different as these other companies also said my information was on there but the accounts were fradulent. 6 days until court papers are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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:
Equifax has constantly denied me access to my credit report and credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XXXX XXXX, 2014. I have tried to have several accounts that were placed in my name fraudulently removed from my Equifax Credit File. I have filed a Fraud Affidavit packet and sent it to them as well as a police report that was taken by an officer and my local police station and it is no use- they continue to report the fraud on my credit. I am growing very frustrated at this point because I feel like the only option I have is the file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried to before and was successful with XXXX, but Equifax has not even updated my information but is sure to to put any negative. They have XXXX collections that are not mine, have wrong addresses, and when I try to dispute it said I had the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen

Company response to consumer: Closed with explanation
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: NV

Complaint narrative:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.

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

Complaint narrative:
Equifax has me listed as having XXXX credit cards, the XXXX credit card was closed out and replace with a new number and that account should be removed from the credit file, the only XXXX account that should be listed is the one that 's says open XXXX XXXX, XXXX that was last reported on XXXX XXXX, XXXX. By them having these XXXX accounts listed it dropped my credit score by XXXX points which is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
For the last 3 years Equifax has reported that I only have XXXX accounts on my credit file. I have over XXXX accounts in good standing. I have called numerous times to get this corrected. And every time I called or send a letter. Equifax wants me to send them copies of my Id and a bill from my house. I have did this numerous times. A supervisor said my file was spilt, and Equifax error. This should have been corrected 3 years ago. Equifax is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.

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:
it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I have faxed and mailed my identity theft affidavit and police report to Equifax Credit Bureau as well as letters from companies stating that they will remove my information from their data base ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that are reporting fraudulent accounts on my credit report. Someone has obtained a personal loan from XXXX XXXX XXXX XXXX and a auto loan from XXXX XXXX XXXX. I am not sure if Equifax Credit Bureau is even submitting my disputes with my documentations to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to support my claim. I also reached out to XXXX XXXX XXXX regarding fraudulent activity on my XXXX XXXX credit card. Someone made a duplicate credit card with my information and made over {$3000.00} of transactions. I sent XXXX XXXX all of my supporting documentation ( identity theft affidavit & police report ) but my credit card is still maxed out when my balance should be nearly {$1700.00}. " PLEASE HELP ME '' ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.

Company response to consumer: Closed with explanation