vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account is told old to be on my file date of last payment was XXXX XXXX XXXX is trying to use the date of first major delinquency as my last date of payment with is incorrect to prolong this account on my credit report and on XXXX XXXX has now change my first date of delinquency on my account to XXXX XXXX which is incorrect XXXX is reporting false and incorrect information to my credit report this account should be deleted for my report it has been seven years now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
It is XXXX XXXX, 2015. I have not received the required XXXX from my mortgage lender, Seterus Inc . I have tried calling them multiple times, and was told the document was faxed to me on XXXX XXXX, XXXX XXXX, and in addition the document was also mailed to me on both days as well. The fax was not received. The fax is a dedicated line and all other incoming faxes have arrived without delay or issue. Each time I call I am told it will take 3-5 business days to fax the document, or 7-10 business days for the document to be mailed. I still have not received the document. Will the IRS understand that it 's not my fault when I ca n't file my taxes? I already had to request an extension ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In contacting Equifax to obtain a physical address ( not a XXXX ) in order to mail certified/registered mail. XXXX are not acceptable addresses to send certified/ registered mail to. I obtained with no problem same information from XXXX and XXXX where they did provide a non XXXX address without any problem or hesitation. Yet upon contacting Equifax for same information not only was their professionalism non-existent but they left me on hold for over an hour and ten minutes. In order to properly document a dispute to have my credit properly reported and reflect the correct credit score, the attempt was made to contact Equifax to obtain such information. All I got after this attempt was that Equifax does not have an address that receives Registered/Certified mail with no explanation whatsoever. To add further, in contacting directly I was placed on hold for an inordinate amount of time where call was never picked up. I had to call from a separate phone line altogether, speaking with Supervisor XXXX ( No last name provided ), where other call was still on hold while speaking with XXXX at the same time. It irks me that this company expresses customers/consumers are important to them. I beg to differ, not only was I treated like a second class citizen but my concerns now stem to whether they are reporting consumer credit information accurately given their blatant disregard for a consumer like myself trying to make a viable inquiry as to the financial credit reporting that this company is supposed to take seriously. To conclude, as a consumer I find this behavior deplorable, un-professional and seriously makes me question this company 's business practice on the treatment of customers/consumers, which now makes me question Equifax 's integrity on reporting financial credit information properly after my experience with them today. Thank you for your time and I look forward to CFPB 's response with regards to this matter. 

Respectfully submitted, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is concerning missing information on my Equifax credit report. I have called numerous times to let Equifax know that they had removed XXXX of my positive credit card accounts. XXXX XXXX, XXXX, XXXX XXXX Bank and my XXXX XXXX Bank Account. My score has plummetted because of this. I have attached a previous credit report from Equifax that shows the accounts were previously on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do n't know what is going on but Equifax put a fraud alert on my report a long time ago, and I just found out that the reason I ca n't get credit limit increases or open any credit accounts is because of this. They 've done this to me before without me requesting it, and I had to go through so much trouble verifying my identity. They seem to place fraud alerts whenever I 've disputed inaccuracies on my report. Now I ca n't even view my report because they are saying I am answering the security questions wrong! Now, here 's the real issue : Equifax lets me get hit with hard inquiries but does n't provide verifiable information to creditors in order for them to approve me for anything! So my report has been pulled numerous times but not a single inquiry has even resulted in a clear approval or denial of credit! I have no idea how long this has been going on, but it is unfair that my score has dropped as a result of inquiries when the companies pulling have no way of getting my information!!! I DO NOT want to photocopy my ID, etc, and do all this mail-in nonsense with Equifax again! I did not request a fraud alert! A while back I disputed hard pulls because a company I applied for a loan with sent out my application to tons of banks without me knowing. If that 's the reason for the fraud alert a simple freeze would have sufficed. I ca n't even add my phone number to my report so creditors can " verify '' my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I properly disputed a judgment for an unknown medical account and Equifax refused to delete it even though I produced verification that there was no such recorded judgment. Equifax is the only credit reporting agency reporting this and they not only refused to delete but are not marking the account as disputed by consumer. 

I contacted XXXX XXXX XXXX on XXXX/XXXX/2015 and verified there was no judgment recorded in my name. On XXXX/XXXX/2015 I sent a XXXX certified formal dispute letter, with proof, to the credit reporting agencies to inform them that the judgment reporting on my report was invalid. I received replies back and the judgment was removed by all except Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Not applied for a credit card was not in town when arrived, can not get on due to questions about mortgage etc. are none of above

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
judgment paid and it is still showing negative on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have filed dispute to Credit bureau but they do n't give me proper notice of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX to XXXX XXXX I was XXXX to XXXX XXXX with the XXXX XXXX under XXXX XXXX XXXX. During my XXXX a XXXX XXXX XXXX Bank credit card in XXXX, MD was activated in my name, and use without my knowledge, consent or authorization. I submitted a letter to the bank and a police report. The bank removed the information from my credit report. At a later date the credit card companies reinserted previously deleted information regarding this account. The amount was small {$250.00}. 
I had no knowledge of the transaction, The discrepancy is impacting my credit score. 
I want this report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because equifax has ignored my request to provide me with the documents that were used to " VERIFY '' the account I disputed because they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to delete all information that can not be verified, that I have disputed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
ON XX/XX/XXXX WE VACATED A PROPERTY LOCATED AT XXXX XXXX XXXX XXXX IN XXXX XXXX NJ. ON THIS DATE IT WAS INSPECTED AND PHOTOGRAPHED AND MET WITH THE STANDARDS OF XXXX FOR A DEED IN LIEU. 
THE SERVICER WAS SETARUS AND THE RELOCATION AMOUNT WAS XXXX. 
THIS WAS THE AMOUNT OFFERED AS THE PROPERTY WAS LOCATED IN NJ AND WAS CONSIDERED A HARDEST HIT STATE. THE FINAL TRANSFER PAPERWORK WAS EXECUTED ON XX/XX/XXXX. WE WERE SUPPOSED TO RECEIVE THE XXXX CHECK WITHIN 30 DAYS. TODAY IS XX/XX/XXXX WE STILL HAVE NOT RECEIVED THE CHECK. I CALLED SETARUS TODAY AND WAS TOLD THEY MAILED A CHECK FOR XXXX YESTERDAY. WE WERE PROMISED XXXX NOT XXXX. I FEEL SETERUS DEFRAUDED US OUT OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
N/A account # XXXX This is inaccurate report and needs to be removed. I 've had health insurance since 2002. I pay my Co-pays/deductibles before receiving services. If they are owed additionally they did not provide me an original bill and did not provide me an opportunity to pay it however, I do n't believe I owe them anything then. I do n't know who this is or what this bill is for. Please provide proof of what I owed you, what the service provided date, and what the service provided was. This needs to be removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have filed fraud alerts and Equifax refuses to provide me with a copy of my credit history file. Their website tells me they ca n't process and that I need to contact their automated phone system. That system tells me I need to call them on the customer service number listed on my recent file -- however I have not received any recent file and I do not have that number. I am entitled to my file and they are disregarding my rights. Obviously the have no respect for my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a XXXX veteran who has been the victim of ID theft numerous times. I have sent Equifax several valid police reports asking them to remove and or block fraud accounts on my Equifax credit report. they will not do anything to address this issue. I am in the process of filing a lawsuit against them for failure to comply with the law. I wish this matter to be resolved prior to having to go this route. Equifax also will not update my credit file to reflect the correct information that should be reporting. The following accounts are still listed and are fraud and need to be removed ASAP. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting erroneous information on my Equifax credit report. I have a charge-off that was reported in XXXX 2008. This debt has expired according to the statute of limitations. In addition, XXXX XXXX XXXX has posted INVALID CHARGES. The invoice was coded incorrectly. Please remove this trade line from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been on file with Equifax credit bureau since XXXX, my date of birth on file is XX/XX/XXXX, all of a sudden someone at the crest bureaus stated that thesome collection agency reported my date of birth as XX/XX/XXXX. Equifax asked me to send them verification from social security which in fact I did. I also faxed and mailed my license to them they still will not correct my date of birth. The fraud department has stated that this is a mixed credit profile and the agency has destroyed my Advantage score, they taken away a XXXX points for no apparent reason as all of my bills are paid on time never late and credit cards ratio are XXXX balance. 

Their is XXXX erroneous hospital bills on my. Credit report with different birthdays however the credit bureaus has yet to remove this error. Every day they are taking XXXX XXXX points away from me and last week they taken XXXX point then another XXXX.i have repeatedly told them to look at my historical data as it clearly shows I have been on file since XX/XX/XXXX and born in XX/XX/XXXX. The social security Administration has sent over a statement telling them my date of birth and social security number as well as my current address. This agency fails to follow through and I sent this over to the US District attorney. I want this error fixed. How can someone change a date of birth, and how can the bureaus be so careless to accept erroneous information without checking the validity to actually see if it matches consumers profile. This is a huge mistake that Equifax has made, and I want this fixed or I will sue and seek for damages related to the errors this agency has made .posting different birthdays, posting medical bills that have different birthdays. Please help me get them to fix this is a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. 
I do n't understand why Equifax does not follow their own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Seterus, Inc.
State: NJ

Complaint narrative:
They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX the debt was discharged in XX/XX/XXXX and sold to a different bank. the original owner of the debt was XXXX they sold this debt to seterus and they collecting and misrepresenting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a wrong name ( not me ) added to my report which caused me to drop XXXX points! I 've changed nothing and my credit report as of last week was XXXX yet this morning its XXXX. And there 's a name on it that is clearly not mine and not even close. What can I do to remove this? 
Here is what is wrong : Names ReportedXXXX XXXX XXXX, XXXX, XXXXSee something wrong? 
Find out how to update personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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 longer have a credit score, car loan and home mortgage are not being reported to my credit.

Company response to consumer: Closed with explanation