vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have requested several times to have equifax to properly note the XXXX account. I AM NOT REQUESTING the account to be verified. ( That has already been done ) I AM NOT REQUESTING to have the account to be noted as charges off or sold to an outside collection agency and have the account balance made zero. ( That has already been done with several written request by me ) WHAT I AM REQUESTING is that EQUIFAX reports WHO IS CURRENTLY THE OWNER of THIS DEBT ( WHICH IS XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE PHONE NUMBER IS XXXX XXXX XXXX XXXX extention XXXX. THIS IS the owner of the debt and the report should be listed as such. ( SO I CAN DEAL WITH XXXX WITH THIS MATTER ) t IT IS ILLEGAL TO REPORT misleading AND INCOMPLETE INFORMATION or PARTIAL information. XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX YEARS AGO. XXXX XXXX XXXX owns this account SO EQUIFAX SHOULD NOT HAVE XXXX LISTED ON MY CREDIT REPORT. THIS IS ILLEGAL. IF EQUIFAX DOES NOT WANT TO VERIFY THAT THE ACCOUNT HAS BEEN SOLD FROM XXXX YEARS AGO & gt ; PLEASE IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. I have already secured legal counsel as I promised that I would do in my previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to XXXX of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX Services of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
Got a full time job in XXXX XXXX. Graduated in XXXX XXXX. Suddenly in XXXX XXXX, my payments increased from about {$200.00} a month to over {$700.00}. Tried to apply for a different repayment plan so that I can afford to live, but they told me I ca n't since my dad is a cosigner ( who definitely will not be making payments for me ). Operator then misled me into a Forbearance agreement so I could get a reprieve for XXXX payment. Also said I ca n't try and remove my dad as a cosigner so I can get a new repayment plan. When checking online, is shows me that I ca n't remove a cosigner if I 've been given Forbearance in the past 12 months. Now I 'm stuck paying over {$700.00} a month by myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: MA

Complaint narrative:
Ok I 'm trying to make or rebuild my credit with a business loan and a car loan, I been making my payments on time so therefore my credit was increasing every month, from XXXX went up to XXXX so when I come and check this month on my equifax account, it went down to XXXX, i know I ca n't apply for not credit cards or loan because my credit will go down, so i have n't apply for nothing because I ca n't afford another bill and my goal is to increase my credit not to lower it, I believe someone might be using my info to apply for credit cards, because equifax says I recently apply for a credit card and that affected my credit score so I would like this to be fix, because I did n't apply for nothing, also would love to know how to stop this person from using my name, please I need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiries from XX/XX/XXXX-XX/XX/XXXX need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a complaint on XXXX/XXXX/16, case number XXXX, regarding tax lien Case or ID # XXXX. A few days later Equifax responded that the tax lien has been removed and will mail me a conformation letter. 
I received the letter, which I have attached, and clearly states that the record is reporting correctly. I obtained my Equifax credit report the same day and sure enough the tax lien is still on there. I 'm asking, once again, that Equifax remove Case or ID # XXXX from my credit report as it has been withdrawn and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has 4 accounts and will not remove them. I told them ID THEFT VICTIM AND they stated after numerous investigations they have proven accounts were mine and refuse to remove. However. One account is XXXX AND THE ADDRESS FOR THE COMPANY IS WRONG AND FALSE. ALSO I CONTACTED THEM AND THEY HAD NO RECORDS OF ME OR ADDRESS ACCOUNTS WERE LINKED TO. THEY EQUIFAX, XXXX, and XXXX are all ID FRAUD ACCOUNTS AND EQUIFAX refuses to REMOVE IT BECAUSE THEY STATED THEY VERIFIED THE 4 accounts were mine. I asked how they knew that. And all EQUIFAX STATED WAS THE INVESTIGATION IS ELECTRONIC AND ALL THE DEBT COLLECTORS HAVE TO GIVE THEM IS NAME DATE OF BIRTH AND LAST OF SOCIAL SECURITY. THESE ACCOUNTS HAVE BEEN DISPUTED OVER AND OVER AND STILL APPEAR ON MY CREDIT REPORT ALTHOUGH THEY ARE ID FRAUD. EQUIFAX XXXX AND XXXX ALL REFUSED TO REMOVE AND I CONTACTED ALL COMPANIES AND NOTIFIED THEM. AND ALL I GET IS ITS NOT MY ACCOUNT FROM THE CREDIT ACCOUNTS BUT ID THEFT HAPPENED AND NO ONE WILL REMOVE THEM! Please Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
never late paying apartment rent nor deposit..never late during my two and a half years there ... followed instructions on terminating lease yet got billed for a months rent plus cleaning and damages caused by the maintenance man on a prior incident where he knocked over a fire extinguisher that sprayed all over the place and in the air and under the appliances ... .not my responsibility. I WAS NEVER EVER LATE! manager seemed to hold a grudge against anyone with suggestions of improvement in this seniors facility, and personality changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
The payment changed and we and we did not realize. We are behind about {$1000.00} or so. We were sent modification documents. We filled them out and sent all supporting documents by XXXX about two weeks now and we have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I used the XXXX website to request my credit report online and was refused. I have been delayed in obtaining a mortgage recently by some detail in my credit report, and needed to obtain my credit reports immediately, in order to clear up any discrepancy. When I submitted my request on the website, each of the XXXX credit reporting agencies refused to provide a report, and instructed me to request it in writing. This will cause weeks and weeks of needless delay in completing a mortgage request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the XXXX XXXX on XXXX, 2015 and the XXXX XXXX on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CORELOGIC INC
State: WA

Complaint narrative:
RE : CFPB Case Number : XXXX claims that the " prior servicer 's tax vendor '' made the initial error which led to the escrow shortfall. The prior servicer is XXXX XXXX who identified CoreLogic as the tax vendor. I contacted CoreLogic nearly two months ago seeking clarification and have not heard back. 

Attached:1 ) XXXX XXXX response XXXX claiming prior servicer 's tax vendor made escrow error. 
2 ) XXXX XXXX 's response identifying CoreLogic as tax vendor. 
3 ) My letter to CoreLogic seeking clarification. 
4 ) CoreLogic 's signature of receipt of my letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are accounts that are not mine on my credit report. I am being punished for accounts that are not mine but are counting negatively. I have let the credit bureau no and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax continually allows codes my account status incorrectly on my XXXX XXXX XXXX acct. XXXX! The code they use is, " XXXX '' That code represents = transfer/sold according to Equifax 's own legend via pdf. The correct code is either " XXXX '', = transfer/sold/paid or " XXXX '', = refinanced. " XXXX '' may also be used, which = paid & closed. But, " XXXX '' is the correct code. Equifax continually claims that it is the department of education that picks the code. However, after talking to " XXXX XXXX '', of the escalated services dept of Operations Services, she claims that the XXXX, is not privy to Equifax 's codes. She was not even aware of Equifax 's account Numbers, that pertain to The XXXX accounts on my Equifax report! " XXXX XXXX '', directed me to call Equifax , & request a discrepancy report by calling the XXXX directly @ XXXX. However, upon contact to Equifax they stated they could make no outbound calls. I spoke with a csr-XXXX, a supervisor XXXX ( XXXX ), and a manager XXXX in the consumer office of Affairs. Every Equifax representative insisted that the coding was on the XXXX, not on Equifax as a company. However, in talking to the XXXX, CFPB, and An FTC inquiry, I know that is not the case. XXXX, an Equifax supervisor told me that if " I wanted to complain about the XXXX, that I should talk to President Obama personally, that he was the only person higher, than any representative at Equifax. XXXX XXXX, stated that, " requesting Equifax to do an discrepancy report was " standard '' procedure. Equifax representatives, scoffed at such a suggestion. Even after conveying to Equifax , that I had consulted with an attorney, & knew the stays codes, they insisted that, putting a status code of " XXXX '' on my report & adding in " additional information '', .. That it has been paid! That is not correct!!!! Equifax has not even added an updated status reflecting that it is paid in full as of XXXX XXXX. It still shows -IN COLLECTION- as of XXXX XXXX. All Equifax reps say they will do is file a dispute, eve though 4+ disputes have been filed on this account in the last 365 days!!!! Experian, did file a discrepancy report, and my XXXX filing is now correct. XXXX is in the process of filing a disrepency report, but has properly updated my filing on my Equifax Report. Equifax , is not customer friendly. Even the Equifax manager I talked to XXXX, in the Consumer of office Affiars insisted that he knew more than me as an attorney, and that The XXXX, picks the stays codes, not Equifax. THEY ARE NOT THE XXXX STATUS CODES!!!!! NEITHER TE THE ACCOUNT NUMBERS ON MY EQUIFAX REPORT!!!! This has been a 9 month ordeal!!!! I have had to fight Equifax every step along the way!!!!! They do not have internal checks & balances, even if the information they put in reports conflicts with one another!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I pulled my credit report and there was an account from Equifant which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I went through XXXX to dispute my credit reports with XXXX and Equifax. 
XXXX removed a credit card account that then showed up on the Equifax report, which was n't there before. The credit card dispute is for a XXXX account that was closed in XX/XX/2004. 
I called Equifax directly to dispute both employment information and the credit card account. They told me over the phone that they could not remove it. I filed this complaint. I also called XXXX directly and requested they contact the reporting agency to tell them to remove it. XXXX stated it could take up to 20-30 days to see any changes. They stated they would contact XXXX reporting agencies to resolve my issue. 
What I learned today, is consumers must call the creditor and have them authorize and demand removal of the credit discrepancy if the reporting agency is unwilling to do so. Otherwise there is a large law suit and call for consumer action activists. 
The problem with the employment information is there is no automated selection or choices to remove old employment information. This needs to change. 
I have now spent an entire day to clean up my credit report. 
I do not have the file associated with this account because it is so old I destroyed it. XXXX still had me on their system. Unbelievable. I was also just told by a XXXX agent that they are required to keep report our accounts for 10 years, yet web site stated it is only 7.5 years. WHO is RIGHT? What is the time credit reporting time frame for our information?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have numerous hard inquiries that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I get an account with national recovery on my Equifax credit report who supposed to be closed. I want this account to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a tax lien with the IRS in XX/XX/XXXX. The lien is paid in full.

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: OK

Complaint narrative:
someone stole my information and opened up an account with XXXX.

Company response to consumer: Closed with explanation