vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has failed to report my credit worthiness accurately. Despite having well over XXXX purportedly valid collection accounts removed through persistence and due to gross billing errors, and fraudulent accounts that did not belong to me, and notably having XXXX positive accounts on reporting for over XXXX months - XXXX XXXX and XXXX - Equifax fails to update my score. They make a claim that they have updated my score each time I submit a dispute, but what all they have done is increased my score by few points ranging from XXXX to at most XXXX points and then subsequently ( almost immediately ) decreasing my score by the same amount or more. Because they keep making a claim that they are not doing it, I have paid for the monitoring service for over XXXX months to establish a record of the same. The record is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX XXXX, 2016 when my credit score was XXXX, it has dropped to XXXX as of XXXX XXXX, 2016. Equifax has taken deleted information from my credit report and re-added it. They have also taken accounts such as XXXX XXXX and duplicated the account. Equifax is looking at other credit reports and adding the information to my report. they have also added a XXXX account more than 10 years old and re-added to my account after it was off more than 3 years. They have added accounts I have disputed using the FTC Fraud statement report and re-added. I have XXXX XXXX accounts that have been deleted twice now back on my report after I submitted the XXXX for those accounts. 
Equifax has caused me hardship due to this and I have been unable to work or find housing because of their lack of reporting correct information and casing me to dispute this information each week. 
I will be contacting the Attorney General of Texas and filing a lawsuit due to these errors on their behalf. 
Please review my XXXX XXXX, 2016 report vs XXXX XXXX, 2016 and look at the clear difference. XXXX card is fraud and is more than 7 years old. The XXXX is more than 10 years old. XXXX XXXX XXXX XXXX was also re-added and is fraud. 
Equifax needs to explain how did the obtain this information, when was it added and why was it added? 

Why do I have to continue to fight with them? I have attached all the disputes and which ones was deleted by Equifax. I have attached the company and person who used my XXXX XXXX account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
i was looking up all my credit reports and i got all of the except eqifax it said it was under maintance it did that last time to me to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on or about XXXX XXXX i sent credit XXXX a letter to the ceo/ president XXXX XXXX XXXX in reference to this account and stiplulated the reson why this account should no longer be reported to the cra agency ( see previous dispute XXXX ) about 5 days later the trade line was removed from both XXXX and XXXX I assumed this did not happen by accident as it has been on my tradline for over 4 years.I assumed equifax did not yet or had delay in getting this information from XXXX. However on XXXX XXXX I received a letter from the office of the President and it then stated it has intiated the process to remove the tradeline, i then called equifax to notify them of this letter and they siad they have not yet received the request from XXXX i thought this was odd since the other cra have and removed the file as requested by XXXX XXXX. I am memeber of my fico and for what ever reason equifax seems to be slow or have some internal issues with this process. After speakign with the rep they said i willl have to dispute it and provide such duccumentation wich i did on friday XXXX XXXX. Today I went to check the status and i notice already they have completed the investigation and they verified the acccount this was obvious a XXXX automated response and does not coincide witht the obvious wishes in the atach letter from credit XXXX. Per XXXX office of the Prsident this letter this from has account should be removed Immediately. Also they XXXX instructed me to send a copy to the cra which again their clear and obvious intent is delete the trade!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing this information for months now. I had identity theft done to me with a macys account being opened up in my name. After months of investigation I received noticed from XXXX that the account is fraudulant and will be removed from the XXXX credit reporting companies. Yesterday I received a copy of my credit report from equifax and the results from the investigation on this macys account was ... .it has been verified as belonging to me. I do not understand how this is still reporting on my reports as I submitted a copy of the letter I received from XXXX fraud dept advising me that this account will be removed from my credit reports. Today I called equifax again and explained that this account should be deleted from my report. I was told that it is still reporting and they are waiting to hear back from the company. Last week when I called them I was told it was deleted and not on my report anymore. This is getting completely out of hand as I feel I am just being told anything and I have no idea if this account is on my report or if it is not on the report. I keep getting different stories. While I had them on the phone I brought up another issue in regards to my XXXX XXXX account that I submitted the letter I received from XXXX XXXX stating that the deragatory remark that is reporting as 1 payment late back in 2014 to be removed as this payment 2 years ago was NOT late. I have been requesting and disputing this XXXX account for months now as well. I explained to the customer service rep that this account should be reporting as accounts in " GOOD STANDING '' ... ..however it is still reporting as potentially negative. I want this information corrected because i am just getting all different stories and I feel this information is not being properly investiaged and the letters I am sending them as supporting documentation are just being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2016, XXXX sent XXXX, XXXX, and Equifax via XXXX request to delete their trade line from my credit report. The AUD Response number is XXXX. Both XXXX And XXXX have deleted XXXX XXXX from the respective credit reports. However, Equifax has not. XXXX XXXX official has repeatedly stated that it was sent to all XXXX at the same time. It is my belief that an error has been made in the Equifax. The customer service individuals refuse to take the AUD Response number and perform a search. I have XXXX other complaints with CFPB.XXXX and XXXX. Equifax customer service will not look up the AUD # and I can not speak to the Business Department and XXXX XXXX will not call the business department. Thus, even though XXXX XXXX has properly notified Equifax , the deletion will not take place. There is a serious problem with Equifax. They are refusing to take this off. They have received the notification for deletion and is refusing to research for it. The customer service person XXXX is refusing to transfer my call to the Business Office and she will not email the Business Department. Thus this deletion is not taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

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 BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' 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 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I 've been fighting with Equifax for over TWO years about their reinsertion of information without proper notice to me about it. I 'm sick of writing letters and need HELP!!!!! All other bureaus have deleted the erroneous information, Equifax had deleted it but then like magic they all reappeared without notice. I did NOT do an online dispute but an in writing paper dispute and did not ask for my rights to be waived in using the " expedited dispute process '' which would have waived my rights. I want this stuff GONE as it was deleted prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed this debt with XXXX and Equifax several times and the bureaus keep this debt on my credit report. I spoke with XXXX XXXX and they verified they have no debt within their system. I am requesting that you investigate XXXX and Equifax that they remove this debt from my credit report and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The ( XXXX ) addresses below are reflected on my credit report, however I have never lived at either address. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've sent Equifax XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Equifax takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX used my social security number without my permission. This is Identity Theft-Fraud. They claim it was an " accident ''. No way. I wrote the credit reporting agys. to be told " if I wanted a credit report, fill out their form ''. I had to stop a mortgage process and needed to stay in a higher cost lease. I went to small claims for the lease amount it cost me to stay where I live, only to be told this was " out of their hands ''. This company knows exactly what it did and what it was attempting. Please help me get justice. Thank you, XXXX XXXX

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 — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have XXXX XXXX Bank account ending in # XXXX appearing on my Equifax credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX XXXX that states that the account should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I need my credit report updated with all my information because everything has been paid through my Chapter XXXX Bankruptcy case XXXX. XXXX Tn

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is listed as a former employer. He was my XXXX husband that I divorced 14 years ago. To see his name on my report, I am not surprised that he would be involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Incorrectly derogatory credit reporting. We have had to work through several issues with Seterus and the XXXX County Tax Assessor which took several months but is now completed. During that time Seterus marked our account at delinquent which it was not. In the final settlement I paid the account in full on XXXX XXXX, XXXX and was told at that time but the person in the customer service payment department that out account was current for XX/XX/XXXX. 

On XXXX XXXX, XXXX I spoke with XXXX XXXX in Seterus Consumer and Government Affairs Department, she agreed to correct the final issues with our account, refund the overpayment of escrow and suppress the derogatory credit for XXXX XXXX and XXXX XXXX. At that time she re-iterated that our XXXX XXXX payment was current and XXXX XXXX would be reported as on time. 

Forward to today Seterus has reported our account as 30 days delinquent for XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX left a voice message and have had no response from her. 

I also called Seterus Customer Service on XXXX/XXXX/XXXX and they verified that our account was paid on time for XXXX XXXX. Yet they still reported our account as 30 days delinquent. 

We want to have the credit reporting for XXXX XXXX corrected immediately and the derogatory credit for XXXX XXXX to be properly reported as on time/current or for it to be suppressed. 

We would like this to be addressed immediately as it is affecting both our credit ratings. 

XXXX XXXX XXXX XXXX Loan # XXXX

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

Complaint narrative:
I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..

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: NY

Complaint narrative:
Equifax keeps reporting XXXX student loan on my account that does not belong to me. I need them to verify the social security number, which they HAVE NOT! they need to remove this student loan from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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:
A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Items on my credit report were due to identity theft and fraud. I disputed the items in question and were deleted. The items are now showing on my credit report again and not sure why. I have also contacted the collection agencies and told they are not reporting. The credit agency refuse to remove the incorrect/outdated/fraudulent items from my credit report.

Company response to consumer: Closed with explanation