vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 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:
My Equifax Credit report under ( Inquiries that may impact your credit rating ) shows XXXX making an inquiry on my credit report. I do not have an account with XXXX nor did I give XXXX permission to access my credit report. I contacted XXXX and spoke with XXXX XXXX, I spent nearly an hour on the phone while she investigated why the credit report was ran. XXXX 's end result concluded they have no account for me and no record of a credit report being ran. They suggested I contact the credit reporting bureau. I contacted Equifax Credit Bureau and spoke to a supervisor XXXX XXXX. I explained that XXXX made a credit inquire but has no record of doing it. I asked to have the inquire disputed and he said he can not issue a dispute on his end ; XXXX must send the dispute. I explained to him that XXXX has nothing. He said that 's a problem and suggested I file a police report and then they can take it off. I told him I thought if I dispute something on my credit report the credit agency sends the reporting company " XXXX '' proof of reporting, and if the reporting company fails to send proof then the credit reporting agency must take off the impacting credit remarks. He said he was sorry and there is nothing they can do. 
Questions : So now how do I get this off my credit report? 
Is this a rogue XXXX employee viewing credit reports using XXXX 's reporting account? 
Is XXXX 's computer systems compromised allowing a hacker to use XXXX reporting services? 
Is this the beginning of an identity scam using XXXX as a front? 
Do I need to file a police report to get this off my credit. 
Who actually reviewed my credit report if XXXX says they do n't have any record of a credit report ran but Equifax says XXXX ran the report ; who 's responsible here? 
Facts : Equifax is refusing to verify who viewed my credit report, they simply say it was XXXX. 
Equifax will not dispute the inquiry because XXXX must first acknowledge the reporting error and send it to Equifax. 
Equifax contact : XXXX XXXX supervisor ID XXXX XXXX or XXXX XXXX has no record or knowledge of ever running a credit report. 
XXXX contact : XXXX XXXX XXXX XXXX result, I have no confirmation of whom ran/viewed my credit report and the results of the inquiry may impact my credit score with no recourse other than to file this complaint. Please help and thank you for your time. 
XXXX supporting documentation excerpt from my credit report : Inquiries that may impact your credit rating XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX Public Sq XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax by its actions and inactions encourages identity theft and misuse of credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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 their company has on file that was used to verify the accounts I disputed. Being that 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 " ... 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 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Since XXXX 2014 Equifax has not responded to my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Every couple of years I have to dispute the same lien. It was removed for inaccurately being reported in error by the state of Mississippi State Tax Revenue office. Due to upgrade of computer system which collected old business owners closed account information which put several people in a delinquent status. Which was incorrect. Since I had not lived in the state for 8 years the only way I found out was when my security clearance flagged my clearance. The lien was removed by Mississippi Tax office and lien was released. Two years later Equifax put the same lien back on my credit report cause me the same problem as if they can not look back in their records and discover it was removed. I never owed the State of Mississippi, I never had to pay for any lien and I feel that the credit bureau are pulling information from public records without regards to the circumstances. For the record, even if a lien was recorded in error by the State, and released due to their system error, they Will Not completely remove as if it never happened. They keep it for there records which is for their use which happens to be public record. It will not say to the credit agency the circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I filed a complaint against Equifax via CFPB, in progress, and the immediately lowered my credit score by XXXX points. They have no basis for doing so, it is very damaging to retaliate against me by dropping my score that drastically because I filed a complaint against them. Proof attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler has sued for a debt I do not know about. They are now garnishing my pay. The court papers that were issued to my employer showed the wrong address listed. Please help me. I do not know what deb is owed and when the debt originated from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
To whom it may concern, My income was reduced and I was having trouble making my mortgage payment so I contacted my Lender ( Seterus ) XX/XX/XXXX. I soon found out it was to be the worst customer service I have ever experienced. They were/are flat out rude, arrogant and very unprofessional. 
I was only trying to do the right thing and contact them to let them know my situation and to ask for assistance, and they flat out told me we were going to lose out house and there was no hope for us. Please see attached fax coversheet information dated XX/XX/XXXX when I originally sent in our request for assistance. 
I filed out and sent over all the correct mortgage assistance paperwork and Seterus confirmed they received it, but when we called to inquire about the status the representative was outright rude. 
I insisted on speaking with a Manager and then XXXX come on the line ( XX/XX/XXXX on or about XXXX ), I soon became aware this was obviously not the right thing to ask for. He was XXXX ruder than the first person I spoke with, probably one of the rudest persons I have ever spoke to. 
He started threaten me as well, stating we would never be able to save our house no matter what we did and/or asked for. He went on to say, we would never, ever qualify for a loan modification. He would not even listen when my wife and I was trying to answer the questions that he was asking us, he just ranted on and on and on, telling us we were just going to lose our house. He made it impossible for us to even talk to him. We just gave up. 
Then recently, I applied for mortgage assistance again XXXX because we were flat out denied the first time we tried. After sending in all the required documents we received XXXX ( XXXX ) very different responses in the mail. Please the see attached letters -- - now I am very confused on how to proceed. This is ridiculous. 
So I called the help line again at XXXX ( XX/XX/XXXX XXXX ) to try and find out what is really going on and spoke to XXXX individuals this last time. XXXX XXXX and then her manager. The Manager said if we do n't make our mortgage payment by XXXX XXXX, 2016 they will not modify us at all. 
We feel everyone deserves a fair chance, and should not have to be treated like some criminal when talking to these big-shot lenders. 
For what it is worth, that is my story. 
It is truly unfortunate that they treat consumers the way they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
In XXXX my daughter switched from XXXX to XXXX and signed for a new phone. She signed papers stating to complete a credit check on her name and social security number. The XXXX employee did n't run her credit but ran mine with my social security. I did not sign for this to be done and I was not even in the store. I find out two weeks later that the account is in my name after the employee called me from my daughters phone and stated and assured me that he ran my XXXX year old daughters credit and not mine. He also stated that the account was in her name only. I have papers signed and dated with her name only. I have requested to XXXX 6 times to remove my name from the account and they ran my credit report without my consent and authorized my daughter to update, open, and get a new phone and sign a contract with my name attached and I was not there nor did I give permission to use my name or credit report at anytime. I have since talked with the escalation department to : XXXX, XXXX, XXXX, XXXX & XXXX reps in the store : XXXX & XXXX? 
to no avail of anything accomplished. I was told I may not access the account because I did n't know the pin - but yet my name is on it and it was done without authorization. I have not been able to remove my name from this account that is not legal. Please advise? These two reps in the store clearly completed this transaction to make a sale and it was done illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX XXXX of 2015 I requested my Equifax credit file frozen. My Confirmation # was XXXX. I was told I would get a PIN # in the mail, but it never came. Without the PIN I had it temporarily unfrozen in XXXX for 10 days for XXXX Bank to look at my Credit without a PIN. I had a score of XXXX. I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. I have tried repeatedly to call Equifax , but I can not speak to a real person and could not get help online either. 
Please contact me by phone/text, email or mail to get my credit records temporarily unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed several times and Equifax keep saying verified. I have contacted Th Court and said it was an computer error. Also see attached letter stating they did not verify with credit reporting agency, they removed and keep putting back on report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed an XXXX credit card with Equifax on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Equifax has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Equifax send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Equifax verified this account and Equifax will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
have disputed a bankruptcy on my credit reports, XXXX and XXXX have removed it but for some reason equifax does not remove this inaccurate information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pay to get my report from Equifax any time i want. for the last 4 months NO report shows up. every time i call i get a different excuse for it not working. I was asked to send in a copy of my s.s. card and ID. I did that and I still can not see anything. theres nothing showing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed information on my Credit Report with XXXX and Equifax. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
We are not able to get credit report. Based on your credit data, says that is the wrong address. 

We have been informed that my social security have been stolen. Please email me my credit report so this document can be provided to the police and I could file an identity theft request. 

My name is XXXX and I have been living my entire life in XXXX, NY. Since my arrival to this country I never change states. Here are my mailing address since living in the US. 

XXXX XXXX XXXX NY XXXX -- -- XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Present XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a judgement on my credit report with Equifax due to inaccuracies on my credit report. I asked for verification on XXXX items specific to the judgment. Their " investigation '' took 7 days and they sent me a form letter that not only did not address my XXXX original verification requests, it simply stated they updated the judgment to " paid/satisfied '' with no explanation. It is now 30 days outside of my original request, they did not validate my disputes in question nor did they remove the judgment from my credit report, and the only thing they will do is initiate another dispute, essentially giving themselves a " do-over '' on their own incompetence at my expense. I do not have this judgment on XXXX of the XXXX bureaus, and would like it to be removed from my Equifax credit report. At the very least, I would like an investigation be done to look into Equifax 's policies and procedures when processing credit report disputes.

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

Complaint narrative:
I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. In XXXX of 2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all XXXX credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least six time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR and I 'm attaching a letter from the courthouse showing that they also corrected the record.

Company response to consumer: Closed with explanation