vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Case numbers : Equifax - XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX Have been disputing accounts that do not belong to me for many months now, and all the bureaus keep doing is verifying the information without sending me information that has been asked. As a consumer it is my right to have all information verified, and to have that verification furnished to me within a 30 day time period. It has now surpassed that 30 day time frame 5 times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX allowed a 3rd party to charge to my account!! it was for jewelry that I did not receive.I was in hospital when this was shipped to my former address in XXXX ... I came directly to XXXX. from hospital..they finally took charges off, but still report me as missed 3 payments..now they send me statements saying I have a XXXX credit coming LOL

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MO

Complaint narrative:
We keep receiving late notices from Seterus even though payment is made before the due date. To guarantee funding, payment is made with an official/cashiers check and sent via priority mail. When we inquired of Seterus, their response was that they changed their billing practices and are now sending the next month 's bill before the due date of the current month 's bill. They stated it was done as a courtesy to the consumer but the bill may not reflect payment because of the early billing. We are concerned that the late notices will now reflect poorly on our credit report and credit bureaus will report consistent late payments pattern. We have requested a confirmation and clarification on how their practice will impact credit bureau reporting. If we are paying on time, our credit score should reflect same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX was included in bankruptcy and discharged it was listed as in collectionsI disputed it and they correct it then a month later it comes back as in collections open with a balance causeing a XXXX point drop in my fico score. 
I have disputed this XXXX times with them and it gets corrected then goes back to being reported wrongI want this account deleted as it appears eith they or kay continues to do me harm by doing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a Auto loan Listed on my Equifax credit report for XXXX XXXX XXXX aka XXXX XXXX account number XXXX which is an account I have never placed with them. They placed it there in error I was told by XXXX and they told me to dispute it with credit bureaus but took no action themselves to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureau did not actually investigate the results, they only ask the data furnisher to check their records and most companies are unwilling to correct negative information even if its their mistake. My credit score has dropped about XXXX points due to this. I want to see what paperwork the credit bureau investigation consisted of. It is not fair for a credit bureau to do an incomplete investigation, credit is very important these days and just asking a company to correct their records is unacceptable. I need to buy a car and ca n't get a good rate due to XXXX lying. XXXX has sold my loan as an investment vehicle and they do not have an idea where my loan is located, which is required for any company to collect on this debt. Did the credit bureau actually look at any paperwork to see if XXXX can locate my own, I want actually proof of what the credit bureau looked at when they did their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Received Notification That Exquifax Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX XXXX, And XXXX. Both Of These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Equifax Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The Equifax Credit Reporting Agency Should Accurately Report That The Balance is Zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and can not " verify '' these accounts, under Section 611 ( 5 ) ( A ) of the FCRA ... they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found a gas bill in collections on my credit report. It is not mine, we have lived in the same apartment for 12.5 years and it is electric only. I disputed it with Equifax , the only credit agency that showed the bill. They said it 's mine because the collection agency gave them additional information. No one in California would know my information to be able to get a gas bill in my name unless they stole it somehow. No other credit in my name has been opened that I can see. My credit is spotless with no late payments and I would like this taken off my account. I am not sure how to prove it 's not mine since I have no documentation of any kind, having not opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
Hello I tried applying for a loan on XX/XX/2017 and when XXXX XXXX XXXX checked my credit score from equifax it appeared as my dads name.it also showed his date of birth Please get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been constantly going back and fourth with equifax. Equifax stated here on XXXX/XXXX/16 that they where not showing frontier communications on my credit file. I spoke to a rep today and he informed me that equifax is still on my credit file. He also informed me that it was never deleted and will not be deleted as the account is still under investigation. He told me that despite me submitting the email from frontier they do not accept that as proof. If frontier continues to say this is my account then it will continue to remain on my account although the rep told me he could not find me by name, social, or date of birth or address. Apparently equifax has lied in their response to the CFPB with you will find attached. This account is seriously damaging my credit and needs to be removed asap. The are playing games that are damaging my credit. This is very unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has been on my credit report for over 7 years. I have sent the company letters in the past asking them to send proof that this was my account. To this day I have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
An inaccurate and understated appraisal was completed XX/XX/XXXX. I paid {$350.00} for this appraisal through Seterus Inc.. The appraisal came in at XXXX sq. ft. The actual sq. ft of my home is XXXX approx. I paid for this appraisal so that the bank would remove the Private Mortgage Insurance if the Loan to Value was XXXX % or below. Since the appraisal was understated I had a loan to value of XXXX %. I have sent proof with several letters to Seterus Inc. since XX/XX/XXXX that reflects my actual sq. footage but they do n't seem to care or want to help me. PMI runs me almost {$200.00} per month of which I have been paying since 2005. I am elderly and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
We fell behind on our mortgage payments but caught them up. After which we paid our XXXX mortgage payment on XXXX XXXX. Instead of crediting the mortgage payment the company held the mortgage payment in suspense. When I called to find out why, the representative stated that my mortgage was 60 days late and asked if I was calling to correct the issue. I told him that he was incorrect and explained the reason for my call. He refused to discuss the XXXX payment. He stated that instead he needed to verify my ability to make mortgage payments moving forward. I explained again that my mortgage was not behind and had been credited correctly reflecting this fact through XXXX. I was not calling to make a payment arrangement, or get a loan modification, I was calling to find out why the XXXX payment was not credited and is sitting in suspense. He refused to provide this information. I prepared and sent a request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Equifax reinsertion : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, 2015, I sent Equifax a certified letter, disputing the XXXX XXXX XXXX # XXXX account. I have disputed this account information as inaccurate with them, and Equifax have come back to me and stated they were able to verify this debt as belonging to me. I wanted to know, How is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify this is my debt. I sent Equifax copies of the XXXX letters mailed signature certified along with receipts to this collection agency, asking them to validate this debt as belonging to me. XXXX XXXX XXXX have refused my certified letters and had them returned to me unanswered. 
This is a clear case of unverified debt here, and I requested Equifax to remove this item from my credit report. They have refuse to do this. Equifax is the ONLY credit bureau who is reporting this negative information that is causing me to be depress and keeping me from purchasing a much needed car to get me to work and school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received communication from equifax giving me a number to call or a website to contact to limit sharing of some of my personal information. The website links were outdated apparently as I could not access the link to opt out of sharing. I made several phone calls to the number given in the communication and was told a menu would prompt me thru the choices. My only choice was to wait for a rep and got a message stating that the hold time was extremely long at this time. I have been able to easily limit sharing thru communications sent to me by banks etc. over the phone very quickly. What gives with XXXX? It seems I must now mail the info in and hope that they follow my instruction. This is not acceptable to me as I have no way to verify that my wished have been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I 've sent a valid police report several times to Equifax and they refuse to remove the fraudulent accounts on my credit report. they keep telling me they will not remove anything and that they are contacting the creditors. They automatically keep saying the accounts are valid and will not provide any proof these are vaild. They are indeed not valid!!! I am a XXXX veteran and Equifax is refusing to take any action to correct this situation of ID theft!! I want Equifax to remove these fraud accounts asap!!! Included in the most recent police report are all the fraud accounts listed. I 've been disputing these items for several months now with no avail!! not even with a police report will Equifax do anything!!

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 — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On the XX/XX/XXXX, I received a copy of my credit report and found that a lot of the information contained in my credit report is not mine. This information includes the date of birth listed on the report, many Derogatory Trades, Trades, Collection Information, Address Information and Inquiries that are not mine. After reviewing my report and determining that most, if not all, of the information in question, has been added to my report by Equifax. I have been trying to work with Equifax since XX/XX/XXXX to try and get my credit report straightened out but, all I get from them is a generic letter that states that I need to provide more info. I have repeatedly provided the info that they request, and even more info than they request, and I still get no cooperation from Equifax. In XX/XX/XXXX, after getting no response from Equifax, I filled a complaint with the XXXX of XXXX and XXXX Georgia. After filling this complaint, I started receiving the generic " more info needed '' letter, but that is all I can get out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My XXXX account is current, I have been paying for a long time every month on time. The only credit agency that does n't have the information accurate is Equifax. I have disputed several times and they state they verified which is not true. Please help. 
Account is US DEPT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation