vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I am disputing the XXXX report that they are charging me with..I had consumer Affairs involved and they reported back that they over charged me on thier Account..We cancelled the cable with them and 6 months later they kepted charging for a cable bill..And we had internet lite and they upgrade the internet without our permission and We told them disconnect their service and that We did n't want their high priced service..And XXXX told us our bill would only be XXXX a Month and them after the upgrade they went to XXXX without our permission..And they do not have any of my personal infor like Social Security or any such..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted Equifax XXXX XXXX # XXXX to request deletion of outdated account XXXX XXXX # XXXX. CRA is re-aging date of first delinquency ( XXXX ) to date of charge off ( XXXX ). I told him that the creditor has 90 day to report the charge off per section 623 ( a ) ( 5 ) which is the ( XXXX ) date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX XXXX XXXX. After numerous late payments by her, the vehicle was sold and XXXX paid her the proceeds in excess of her loan balance. Again, I made NONE of the late payments nor was their any " repossession '' from me nor did I participate in any profits from the sale. Despite my repeated requests, EQUIFAX refuses to delete this account or the late payments/repossession status from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was an authorized user on my x-wifes XXXX charge card and never used the account. We divorced last year and she removed me from her account. All XXXX bureaus are still saying the account is valid and belongs to me. I just sent in my Divorce Decree with a letter stating that XXXX did not have me on the account and to remove me. They refuse to. I have called XXXX directly and they are unable to assist because I am not on the account and never actually even received a card. I am at my whits end. My x wife has maxed out her XXXX card and her actions have caused a XXXX point drop in my credit score. XXXX customer service number is XXXX. I spoke with XXXX and she said that there was nothing they could do to assist and that my x wife had called in 4 weeks ago at my request to make sure I was removed. Her email is attached as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My ex-wife is dead. The child support has been paid in full for years. The NY State support enforcement agency concurs. Equifax reports a XXXX balance in the account, but yesterday they changed my report to reflect a missed payment. This is not true, & last year they were forwarded the information needed to show the account as closed. They will not discuss it with me over the phone, and the website will not allow me to file a dispute because they say I am providing incorrect information verifying who I am. This should be dropped off my report by now. At the very least, I should not be showing a missed payment all of a sudden. My daughter is a grown woman, & her Mother is dead. How long do we have to live with this problem. Someone please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal Credit is a service which I never wanted to be enrolled in. I was automatically placed into an account where some of my XXXX purchases were not simply placed on my XXXX credit card, but rather given to a new creditor called the XXXX in XXXX. PayPal credit has been billing me for far more than my XXXX purchases forced into this credit account. I have reluctantly paid off all that they have insisted that I owe. I hope your agency is able to recover my losses which are approximately XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I moved XXXX XX/XX/XXXX. I did not file a XXXX State Tax Return XX/XX/XXXX as it was not necessary, however XXXX assumed I was still a resident and erroneously assessed taxes and supposedly mailed a notice to my former address which I never received. XX/XX/XXXX I moved back XXXX, and after working for a few months, my employer received an earnings withholdings order to satisfy the lien. This was the first time I had become aware of the lien. I contacted XXXX and was informed the lien was for tax calculated for XX/XX/XXXX tax year. I informed them that I moved XXXX that year. They instructed me to file a XXXX XXXX tax return, which showed I had zero state tax liability for the year. They then released the lien, which is reflected on my credit report, however I have been unable to have the public record removed. The lien was filed in error, and the tax was never due, and has since been corrected in the XXXX XXXX system, yet it still appears on my credit report with XXXX Equifax. I am requesting to have the public record of the lien removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that they have on file that were supposedly used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Equifax thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never gave XXXX permission to do a hard pull on my credit. I merely called to inquire about pricing. I also never gave them my SSN. Apparently they have it as I was a customer 10 years ago. They pulled my credit twice so far, on XXXX and then again on XXXX. I contacted Equifax to have the pulls removed. They went back to XXXX who claims they are valid. They are not. Equifax will not remove the pulls and this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following credit bureaus ( Equifax , XXXX ) have failed to update my Payment and/or Account Payment History from my Mortgage Creditor XXXX XXXX XXXX, Mortgage Account # XXXX. 

They are required to report since the first month of Delinquency XXXX, each month from XXXX XXXX until present. 

That Equifax needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been working with Equifax to resolve several negative entries on my credit report. The problem is that some of the entries, that I dispute the origin of, have been sold to other collection companies who are also reporting the same negative entries. 
It has been difficult removing these duplicate entries because the only reply you get from Equifax after XXXX days is that they say they have verified this is " owned by you ''. They seem to be ignoring the other very pertinent information sent other than stating that the entry is disputed by the consumer. 
XXXX duplicate I asked them to remove is very obvious in that the original entry shares the exact SAME information as the entry made by the company they sold it to including dates, amounts and even the account number!! Yet the Equifax investigation I started found no problem with this duplicate entry and again just stated " we found this item belongs to you ''! This investigation took thirty days and was pointless since it ignored some very obvious facts! 
It is also very difficult to submit disputes with Equifax in that you are restricted to very few categories to enter your dispute ( For example there is no easy way to submit that a negative entry is a duplicate entry so you end up trying to guess which is the closest ) and it is is limited to XXXX characters and for some reason it rejects the use of a lot of the regular characters of punctuation ( For example the use of an exclamation point! ) and even numbers ( even though it states these are allowed )! The fact that you are not given a contact person means you are at the mercy of their very difficult and slow system and a XXXX sentence reply is not enough. To state, in your investigation " we have determined this debt belongs to you '' is insufficient when you have let them know for example : that a Cell phone company has put fraudulent charges on your bill when that same company is settling XXXX with it 's customers for that very same reason! Well they definitely " phoned in '' this investigation! 
These credit reporting agencies have a lot of power and literally hold our lives in their hands and should be held to a much higher level of accountability!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I disputed more than 10 times and escalated your service department and correpondent team but your company ignored my fair claim to remove the charge {$90.00} fee that is not my fault and responsibility. I already sent the proof documents that I paid the payments ontime. 
Per our conversation with Customer Service team last month, I am requesting to waive the inspection fee {$90.00} charging to my account again. This is not my fault but the fualt from the previous the previous mortgage servicer, XXXX that never forwarded the fund to Seterus. I also updated my mailing address timely manner but they did not update the correct mailing address so I could not get the transfer information accordingly. This is not my fault so can not pay the inspection fees {$90.00} that Seretus charged and it is not my responsibility. 
Seterus charged 2 times of inspection after XXXX even I updated my address and payment information accordingly in Seterus. Your research department already verified that I paid all payments on time every month. 
Please reconsider and waive the charge {$90.00} fee XXXX I discussed and agreed on the phone that I am going to make a payment of {$990.00}. 
Regards, If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. 
Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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 cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My mother passed away, and I was n't aware I was responsible for this payment, and when it became known no one else was going to pay it, I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I put a freeze on my credit report in 2009 & received a letter & pin number. Today I asked to lift the freeze and found out that I can not because Equifax ( and only Equifax ) has a middle initial of " XXXX '' in my name vs just a " XXXX ''. Equifax said I must send proof of my name and address in order to correct their mistake. I have a letter from Equifax dated in 2009 & that letter does not have the incorrect middle initial. Also, when I tried to use the online system at Equifax the system ca n't even hold XXXX middle initials. They agreed to process a lift of the freeze but that takes 5 business days & they notify me by mail. The other XXXX bureaus processed the lift immediately & sent an email response. Equifax needs to research their errors & not put the burden on the consumer. Equifax is holding up the checking of my credit standing for 5 business days plus the mailing time since they respond only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a reported address for Oregon. I have never even been to OR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have XXXX collections on my credit report that are listed as being closed accounts. However, these accounts continue to update monthly, suppressing my score. Further confusing me, the same credit report shows I have no collections on file. They are also listed as factoring company accounts with high credit limits and past due dates, appearing as though I am past due but there is no original creditor listed. I 've attached screenshots evidencing my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have no bills or billings from XXXX XXXX Card. I have applied 3 times for my card back after being with them 9 years.i filed Bankruptcy which was XXXX divorce action in Federal Court. i was stuck with all billings. XXXX XXXX directly upon calling all they could say is YOU filed Bankruptcy. I never filed on them and they never got an inclusion letter to be in federal court. Their action on me through Equifax has devesated my credit and personal actions as a respective citizen. Equifax is say i have a derogatory report and owe XXXX XXXX money. I owe XXXX XXXX NOTHING i paid their amounts with my Debit card and proof from XXXX XXXX and XXXX bought got paid when they contacted me. I paid late charge on both. XXXX XXXX {$49.00}, XXXX {$8.00} and XXXX XXXX {$56.00} ... This is {$100.00} and XXXX was to be challeged disputed But XXXX XXXX refused service that day when they canceled me. I never recieved any merchandized even to this day. All information on Equifax is corrupt and highly disputable in Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted Equifax to get these hard inquiries removed off of my account as well as some addresses that is not mines that keep popping up on there. They said they removed it but it has not been removed. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. 

The inquiries that I did not authorize or make is XXXX XXXX on XX/XX/2016 and also an address of XXXX XXXX XXXX, Georgia XXXX that needs to be removed off of my credit report as well as XXXX collections that is not mines. 

XXXX for XXXX XXXX XXXX for {$440.00} and also XXXX XXXX for {$780.00} that is not mines. Please remove all of this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have XXXX of the exact same items listed on my credit report as collections. They are the same account number, same amount owed, same collection company, same date of deliquency, etc. I have disputed this information only to be told that it was " verified ''. The bureau can not report XXXX of the exact same collections on my report. It is against the FDCPA. They need to delete these accounts as it is inaccurate. I am very unhappy that I already disputed and they did not do their proper job to delete since they have it on their twice. The credit reporting agency says they are only reporting once and it is the bureaus job to remove. You can see the dispute results attached. You can see they are XXXX clearly the exact same items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Unauthorized inquiries and/or unknown companies : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from Target for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute with Equifax re : XXXX XXXX XXXX account in reference to the status of the account. They in turn removed/deleted the account history but left the status of the account as is. The account history showed payments made on time, never late. My dispute was how/why are you showing the account history as good standing yet you put 31 days plus in the status for the same account. 
XXXX XXXX XXXX advised they did not report his as 30 days late. I spoke with XXXX analyst at Equifax who saw this discrepancy but yet say they have to investigate, They opened XXXX disputes for the same issue, XXXXand XXXX, the later which took one day to remove the account history which was correct. They seem to see the conflict but wont do anything about it

Company response to consumer: Closed with explanation