vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax scored me at XXXX stating that " the key factors that adversely affected your credit score '' are ( 1 ) Lack of recent installment loan information. ( I do n't have installment loans ... I pay cash! ) ; ( 2 ) Too few accounts currently paid as agreed ( XXXX I pay everything as agreed and pay all credit cards off in full each month and carry no finance charges! ) The other two reasons given are subjective and totally inaccurate! ( Please say Hello to XXXX ! )

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

Complaint narrative:
I have been slowly clearing up My credit and rebuilding it, as my Husband and I need to move back to XXXX ; Currently in MI for 10 years XXXX My Husband has XXXX and I need to be with Family and eventually he will need more XXXX I can not get XXXX XXXX because of collections on my account XXXX total was XXXX $ XXXX in medical bills! 
I contacted The Attorney XXXX XXXX In XXXX, XXXX that the accounts were with XXXX is her collection firm, they were willing to work with me as I paid them off, they were removed from XXXX ... XXXX had never had any .My Problem seems to lie with Equifax .HORRIBLE, RUDE, NASTY, NO ONE to speak EMGLISH with even half decently .. I have begged for XXXX XXXX XXXX .. after many holds, I am back in XXXX XXXX!! 
I finally paid for a month subscription thinking that might work again, ... I only got an North American to speak with when I decided to cancel ... then back to XXXX, XXXX, and Other parts of XXXX XXXX who are NOT able to speak or understand you .. all they say is Please hold! 
XXXX finally got a gal in XXXX in the USA, I told her about my arrangement ... how experian was removing them ... and I had maybe XXXX that equifax should have removed, her reply to me was " if they had something to report to us they would have!!!!! and then she asked if I had a memorandum oe letter from XXXX XXXX OR the attorney asking if I could prove this was our arrangement .. I said No, However, the young lady has been reporting to Experian and they are removed .. why can you NOT do the same .... I have sent in several disputes to Equifax , I DO NOT BELIEVE THEY DO anything! 
My credi score with them has not even changed I asked why? I was told they are a bit more stringent .... meanwhile, they are ruining peoples lives! 
Hopefully you can look into the matter for me ... they need a good kick and learn to work with and NOT scam people! 

Very Truly Yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX has reported a duplicated account to my Equifax credit file which is tremendously lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
I recently applied for a home mortgage. I was advised that a hard inquiry was on my report from " CREDCO '' on XXXX/XXXX/2015. I did some research and found this to be a mortgage company. I never Applied for ANY type of loans at that time. I contacted a Customer Service number online and I was advised to contact XXXX wich I did, they are no help at all and advised I would need to contact CREDCO. No one is willing to help or provide documentation on this issue. I am requesting to have the inquiry removed as it is a negative impact on my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Disputed this account several times it is reporting twice on all three of my reports. XXXX & XXXX. Same account. The original creditor is XXXX, and was sold to XXXX XXXX. Only XXXX is suppose to be reporting on my credit file. Instead of XXXX deleting the item. They just went from opened to closed on my report. The account been charged off since XX/XX/XXXX. And it was still updating on my report. The last update was XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX. I believe this is when the account was transferred to their office. Incorrect reporting. It is reporting on all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has listed on my credit report that my student aid loan, XXXX, was sold or transferred. This is INCORRECT information. I paid that loan in its entirety myself with a last payment of over {$2000.00}. This needs to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been working with a company for moths to remove items from my credit report with success. I just recurve a notice from them that they have ALL reappeared on my credit report bringing my score down. I never received a 5 day notice of this matter and demand that they be removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX ACCOUNTS ON THE EQUIFAX REPORTING TO MY KNOWLEDGE ARE NOT MINE AND I NEVER HAD THESE XXXX ACCOUNTS, I HAVE DISPUTED THESE ITEMS FOR SEVEN TIMES BUT I STILL HAVE NOT RESOLVE THIS ISSUE, AS WELL AS MY INFORMATION DOES NOT REPORT OR GETS UPDATED ON THE WEBSITE WHICH I USE, EQUIFAX IS NOT TRYING TO HELP IN THIS MATTER, PLEASE HELP ME IN THIS MATTER. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Account was settled in full. I was told all XXXX credit reporting agencies would be notified and this collections debt would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Filed Bankruptcy on XX/XX/XXXX decided to close due to large amount being deducted from payroll bi-weekly. Signed to close/dismiss case. I created a plan to pay every creditor and successfully paid every debt in full. I understood the Bankruptcy would be listed for at least 7 years. I request all three reports yearly to view and XXXX does a great job listing how long the debt is expected to remain, XXXX and XXXX XXXX have removed account listing bankruptcy according to 7 year rule. I have been fighting with Equifax and the XXXX Bankruptcy office on removing the file, when I contact the court their response is " We do n't have anything to do with reporting the bankruptcy cases on your file '' contact Equifax and dispute and we will request removal. Now I dispute with Equifax on removing the remaining file item listed showing " Bankruptcy '' and they respond with information has been verified with the court? I have included what is showing on my report for Equifax, no information listed, yet showing a bankruptcy file? Just asking all components be removed. I am uploading the old XXXX sheet showing when the account should have been removed XX/XX/XXXX, I was recently denied opening a XXXX XXXX for a XXXX XXXX Credit Card stating denied for " Bankruptcy '' reported by Equifax. This file is at 10 years old and going on 11years in 6 months. Please help me I have been doing this for almost three years bouncing back and forth. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Equifax flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. XXXX and XXXX already deleted the records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Dear Sr. or Madam, My name is XXXX XXXX .My loan was with XXXX XXXX XXXX . I try to modify my loan while with XXXX XXXX XXXX and they denied me because I do n't live in the property. I lived in this property ever sense I bought it. Loan was transferred to Seterus account # XXXX. Property location is at XXXX XXXX XXXX XXXX XXXX Ca XXXX. When my loan was transferd to Seterus they paid my taxes on XXXX/XXXX/15 in the amount of {$4200.00} when my payment was already in and on time. I paid according to Seterus {$870.00} of late fees for taxes being send late.. I do n't understand why I 'm paying late fees for. I was sending so much money to this account for taxes and they would put it in suspense. I tack to supervisor and I get their promise that they well put my money where they suppose to. 
There were XXXX occasions that they told me that they taken money of {$240.00} from escrow account to satisfied to late fees. All late fees have bean removed and now I do n't know what happen to that money .All the money I was sending was deposited as a suspense deposit. I was calling them so many times an order to be told that they ca n't reverse the transactions done before. I need all suspense money that was applied to principal to be moved to pay taxes and balance to be send back to me. I want to know what happened to money that they were taking out from escrow to pay late fees. After that late fees were removed from my account where the XXXX x2 went to.They told me that they paid my house insurance. I called insurance company in order to be told that they did n't get money from escrow account. I called Seterus to ask what happened to my money they said : '' We paid for the the balance of your taxes. I have no idea what they are doing. Please help me clear this mess with them so I can have my life back. This is taking so much of my time. Your help would be greatly appreciatedSincerelyXXXX XXXX XXXX XXXX XXXX Ca XXXXPlease fine enclosed transaction history : exibit # XXXX transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was trying to get service from XXXX XXXX but when they ran my credit check ( I have a credit score & gt ; XXXX ), Equifax said that they could not verify my identity. When I went to all XXXX credit agencies to obtain my credit report, I was able to do so at XXXX and XXXX but not at Equifax. The Equifax website again said that they could not verify my identity (!!! ). Now I have to send in XXXX forms of identification by mail to get them to review and correct the problem. Meanwhile, the promotion for XXXX is going off and I will end up paying XXXX of $ $ $ more because of Equifax 's mistake. This is not fair and it should not be legal. Equifax should have to pay for their mistake, not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX, Equifax , & XXXX credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is listing a judgment on my report. I contacted the XXXX XXXX courthouse and they stated the judgment was entered but never actually filed. I 've disputed this listing 3 times and Equifax keeps saying they verified it. XXXX and XXXX both deleted the judgment because they could n't verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I had a credit card account with my credit union XXXX XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX Equifax XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. 

XXXX XXXX agreed to remove the trade line from all XXXX of my major credit reports after my CFPB complaint XX/XX/XXXX. They contacted XXXX, Equifax , XXXX XX/XX/XXXX to have this removed. XXXX removed the tradeline per XXXX XXXX XXXXXXXX request but Equifax did not do so. I requested a new investigation and provided the letter from XXXX XXXX stating their intention to have the trade line deleted. Equifax did not remove or update anything based on that investigation and they are still reporting this negative account. I have requested this be corrected numerous times via direct disputes with Equifax and filed a previous complaint which provided no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consolidated student loans and the XXXX XXXX XXXX XXXX has sent the corrected information to all XXXX reporting agencies and Equifax has still not corrected this information. There is only XXXX loan through the XXXX XXXX XXXX all separate loans through XXXX have been closed and paid in full. These should be taken off of my account at once. At this time Equifax has them listed twice for the consolidation loan and then separate old loans. 

I want these fixed ASAP so as to stop affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently submitted a complaint to the XXXX about Equifax not responding or removing inaccurate information on my credit report regarding a bankruptcy. Equifax responded stating, they verified it was mine through the courts. I called the court and they mailed me a letter stating they did not and do not verify any information to third parties and credit bureaus. The Sr. specialist who responded to my complaint then went and deleted all my history, all my accounts, and changed my current address. This malicious act was done the same day the XXXX gave me Equifax response. The only thing that is showing on my report is the bankruptcy in question. First I noticed a difference in my score on XXXX, then I called and spoke with an Equiax rep and they informed that the only thing showing on my credit is the banruptcy. I had over XXXX open accounts in good standing and a 9 year credit history. This action by this company has dropped my credit score by XXXX points intentionally damaging my creditworthiness further. I do have the identity of this person and their intergrity should be questioned as far as their job position and the power they hold. I am now in persuit of a legal representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Mortgage Services and XXXX XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IA

Complaint narrative:
I 've been challenging the balance in my closed escrow account. I received a letter stating there is no money in the escrow account. Per previous statements there should be {$620.00}. They need to account for this money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither Equifax or XXXX is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently applied for credit monitoring service and was denied. I am unable to monitor my score and agency refuse to allow me to setup service however continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found public record incorrect information and pending payment which is not mine and misspell my name and wrong employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to contact or submit a complaint as I have been trying to find out why my credit report from Equifax is being denied -- as it says there is no information about me. 

All other XXXX entities like XXXX and XXXX i am able to pull my credit reports, but no Equifax. 
I have trying to contact, but to not avail and their support just keeps saying i need to buy a subscription to be able to see my credit. ( how can I do that when I not even able to pull my credit from the XXXX ) Just no sense, I just would like to check what the issue and correct it so my credit checks dont keep getting rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?

Company response to consumer: Closed with non-monetary relief