vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX Mortgage account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the credit bureau ( Equifax ) but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the information about the bad marks on my XXXX XXXX credit card several times. I spoke with XXXX XXXX several times on the issue. They told me that the credit bureaus come to them and they have no control over the bad marks being removed. I have requested several times that they be removed from my Equifax credit report trying to give Equifax the chance to do the right thing. So I would file a dispute. Several times I would get an email saying there would be a dispute and I never filed one. Then I would come to find out they had canceled my original dispute. I have attached the following documents saying that they deleted the XXXX marks but it still remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I paid off my XXXX XXXX bill several years ago which they have confirmed repeatedly. Over the years, various credit collectors seem to mysteriously pop up and claim I owe this money. I have disputed this numerous times, the matter gets resolved and the negative credit item is removed from my credit report, and then 1-2 years later, it reappears. 

The latest collection agency is XXXX XXXX XXXX. I do n't know who XXXX XXXX XXXX is, nor have I ever received anything from them. I DO NOT OWE them or XXXX XXXX any money. But this month I received an alert that they claim I owe XXXX XXXX {$98.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Reported yes. Final response, no. Even though XXXX and XXXX XXXX have me reported normally, Equifax has my information combined with another person. When I called them on this they were not willing to help rather told me I was at fault for not checking in with them XXXX a year. In the end, their only solution was that I " register '' with them and have my credit re-reported to them. In addition, they have put it on me to contact the other party to make sure they contact Equifax to verify their credit information. 
Needless to say, it has been more than a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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:
About 2 years ago the bureaus dropped my credit score from about XXXX to the low XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps saying that I have submitted additional information which is not true, then feels that do n't have to do anything else. They mail me unchanged results and feel like they have fulfilled their requirement to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
i am a victim of identity theft and was XXXX from XX/XX/XXXX until XX/XX/XXXX. I got released from XXXX Correctional Facility- XXXX XXXX on XX/XX/XXXX. Attached is a letter from the XXXX XXXX XXXX XXXX showing proof, I was XXXX and the following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Bank and XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.

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

Complaint narrative:
Received proof from XXXX XXXX that they are no longer reporting to EQUIFAX XXXX AND XXXX as stated on the letter attached to this case. EQUIFAX has still not removed it from my credit report after several disputes and want this off my report immediately as it is making it very difficult for me to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I had two Federal Tax Liens filed against me. I have worked extensively with the IRS and XXXX County Court Clerk to resolve this issue. Consequently, the IRS has issued WITHDRAWAL OF TAX LIEN for both tax liens. The XXXX County Court Clerk has recorded both tax liens as ( WTL ) WITHDRAWAL OF TAX LIEN. However I ca n't get EQUIFAX to report these items correctly on my credit report. This is very frustrating. I have worked hard to correct my credit and I have. But I ca n't get EQUIFAX to report them correctly on the credit report. The other XXXX ( XXXX ) major credit bureau 's were competent and prompt in deleting the tax liens from their credit report. But for some reason, EQUIFAX refuses to report credit correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized. 
I have accounts with these companies and they have my personal information. Never authorized these credit checks. 
List of companies and the date of credit check was pulled. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX county child support opened a case against me in XX/XX/XXXX when they started taking child support out of my checks. I was then XXXX in XX/XX/XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed XX/XX/XXXX an report was added to the credit report in XX/XX/XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.

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

Complaint narrative:
A collection account was made against my credit report. I disputed this with Experian and Transunion and they were deleted from my credit report. Dispute several disputes made with Equifax over the past year, and additional several dispute made recently. I have provided Equifax with Proof of payment was made before this was sent to collection. I have provided them proof from the collector, that this will be deleted, yet it still remains on my credit report. Equifax claims they have investigated this but can provide no proof of any such investigation actually occurred. All the evidences shows this should have been deleted a very long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX HAS NOT REMOVED FRIVOLOUS ACCOUNT REPORTED FROM XXXX XXXX XXXX. EQUIFAX RECEIVED AN IDENTITY THEFT AFFIDAVIT FROM ME OVER A YEAR AGO. I NOW HAVE ATTACHED FURTHER PROOF FROM THE XXXX XXXX & FROM XXXX THAT CORROBORATES THAT I RECEIVED FUNDING FOR COLLEGE XXXX FROM A UNIVERSITY OTHER THAN XXXX UNIVERSITY-THE ORIGINATOR OF THE DEBT. I HAVE NEVER ATTENDED XXXX AND I HAVE OFFICIAL DOCUMENTATION TO VERIFY MY FULL ENROLLMENT AT XXXX AT THE TIME EQUIFAX IS SAYING THEY RECEIVED VERIFICATION FROM XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, XXXX or Equifax credit bureaus can provide an explanation of the factors that influenced such a significant change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi! hope you can help me. I just arrived to XXXX last year ( XXXX XXXX ) with a XXXX, that allows me to have a SSN, wich I get from my local office. Everything goes well until this month when Im trying to get a credit for a new house and my bank is telling me that they cant give me a credit because my SSN have bad background due to some phone bills back on XXXX and XXXX, that I was dont even here at the country. I went to the SS office and I dindt understand what should I do in order to correct this!, I really appreciatte if you can give me some advise regarding this issue. Thank you very much!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In regards to case number XXXX filed with the cfpb and the response from equifax, they have completed their investigation but have not provided any evidence from their investigation received from the furnisher of information regarding my dispute and when asked how was this investigation conducted, they stated electronically and the furnisher provided my name, address, phone number, and social but equifax did not receive any physical copies as required under FCRA section 609 therefore they refuse to remove this account and stated it is verified but the process they are using is not the correct process as stated under FCRA or considered as a valid, proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
for the 5th time i am trying to get this matter validated. i sent a validation debt letter to all XXXX credit bureau, for the {$2900.00} debt by XXXX the debt was and is not validated but yet remains on my credit report. this validation was received by the bureau in XX/XX/2016 and i am still awaiting the validation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted multiple times to dispute negitive information reporting on my credit. Each time I have attempted to report it, Equifax has denied my request stating the information is accurate that the company is providing. I have contacted the company as well and attempted to resolve the matter. I have written a huge report provided to Equifax stating the information being reported is not only inaccurate but a blatent lie, I have sent proof of the inaccuracy/lie, proof of communication of the company refusing to speak with me and send ME proof that I owe the debt. Equifax continues to deny the legitmacy of my request. Not only has Equifax denied my request, the company has updated the information yet again, and made changes again proving they are lying about the information provided on my report.

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.

Complaint narrative:
Received my Equifax XXXX credit report and there was a credit card on my report that I did not apply for from XXXX. I called the fraud department of XXXX and they would not help me unless I agreed to a disclosure statement which I did not want to agree to. XXXX made several errors resulting in them issuing a credit card under my identity and would help me resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

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 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently disputed the following information and Equifax 's investigation results did not delete the expired account from my credit file. Equifax is reporting incorrect information on my credit report in reference to an account XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed two accounts with Equifax which show on my report as still being investigated. It has been far past the 30-45 day investigation period. I have sent two letters via XXXX Certified Mail with Return Receipt and have had no response. The accounts in question below should have been deleted from my report. 

They are now in violation and are continuing to report incorrect information. The accounts in dispute are below. 

XXXX ACCOUNT # XXXX AND XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!

Company response to consumer: Closed with explanation