vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed chapter XXXX bankrupty and it was discharged XX/XX/XXXX, yet many of the debts that were discharged have reappeared and are lowering my credit score. In addition to this in XX/XX/XXXX I purchased a vehicle from XXXX XXXX and although my loan was pre-approved for the total purchase amount and had already been given by XXXX, the credit manager still sent several credit inquiries on my account up to XXXX more creditors including another to XXXX who had already given the loan again causing a lowering of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent a letter to all XXXX credit bureaus and called the State tax office as well. I was only in XXXX from XXXX and did not work during that time, or own property. I was never in XXXX in XXXX when the lien was filed and this error has affected my credit and only recently was I made aware this lien ever existed.All XXXX credit bureaus are reporting this misinformation. 
Source : XXXXDate Reported : XXXX/XXXX/XXXXDocket # XXXXCourt Type Recorder of DeedsRecord Type State Tax LienECOA JAmount $ XXXXThis information is also false. I was very ill and on XXXX during this time.and evidenced in XXXX hearing in XXXX of XXXXSource XXXXDate Reported XXXX/XXXX/XXXXDocket # XXXXCourt Type : XXXX XXXX Type Civil JudgementECOA IAmount $ XXXXPlaintiff/Attorney MedicalXXXXofXXXXXXXX/XXXX/XXXX claimed to be verified XXXX/XXXX/XXXXDIV ADJ SERVBalance $ XXXXMedical

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I was out of school for XX/XX/2015, and before my grace period was over I signed up for a class in summer. I was under the impression that XXXX 3 hour class in the summer would mean, I am a half time student. Turns out It was n't and I am wrong, however, I contacted " Fedloan Servicing '' and explained the situation to them ( This is after I was reported late for my payments ). They agreed to put me on a forbearance, and I started paying my monthly payments. After that, I tried my hardest, to contact them about removing the late payments that they have reported and every time they tell me a different thing, I disputed the late payments 3 times, sent the credit bureaus copies of the forbearance letter, but I made no progress in getting those late payments removed from my credit report. My credit score is horrible right now, I had XXXX different loans, and each loan was reported late twice, so I have 10 missed payments. I 'm on the verge of losing my job if I do n't relocate, every apartment complex that I contact wants to run a credit check and I tell them to stop ( what a shame! ). Thanks U.S. Department of Education for helping financially during the hard times, but seriously you are XXXX exactly XXXX times as much as you helped me, and frankly your making my life worse than when I was just student with no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
WHILE PURCHASING A VEHICLE, I WAS TURNED DOWN BY ALL THE BEUARAUS BECAUSE MY SOCIAL SECURITY NUMBER HAS BEEN REPORTED THAT I AM DESEACED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX XXXX accounts listed on my credit report which I do not owe this company anything. These might be my daughters. I disputed them and want them removed and they are still listed. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Problems when you are unable to pay — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax credit reporting need to remove the Bankruptcy they have on my credit report because it was dismissed in XXXX without prejudices it was filed in XXXX. I talked to bankruptcy court they have nothing to do with sending it to Credit reporting companies. The other credit reporting have no information against me. I tried to have Equifax remove it. I have had XXXX hard hits against my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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:
The collection agency reported to the XXXX that they 're report is accurate and it was not included to the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Euifax credit report says XXXX hard credit inquiries by XXXX. I had taken a comcast connection on XXXX XXXX and explicitly asked not to do credit check. I informed them not to do credit check as i did n't have credit history.They took a deposit of XXXX dollars and agreed not to do the credit check. I want to dispute the credit check as the deposit was paid to comcast and they said they will not do credit check with the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM UNABLE TO OBTAIN CREDIT FROM ANY SOURCE SINCE COMPANIES WHO REQUEST MY CREDIT HISTORY RECEIVE NO HITS ON EQUIFAX OR XXXX. THEY ARE TELLING ME THAT I DONT HAVE ANY CREDIT. I 'VE HAD MY SS # FOR OVER 2 YEARS AND HAVE AN OPEN CREDIT CARD IN GOOD STANDING ORDER WITH XXXX AND HAVE A SCORE OF XXXX IN XXXX. I NEED TO KNOW HOW I CAN FIX THIS SINCE I NEED TO ESTABLISH CREDIT HISTORY BUT I 'M UNABLE TO DO SO IN THESE CIRCUMSTANCES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: KS

Complaint narrative:
i send a cashier check for {$15000.00} XXXX XXXX XXXX to pay off my house but on XXXX XXXX XXXX my check was returned so I call to ask why they told me I didnot send enough money so i ask them how much more they needed they said they could not tell me and I would have to request a payoff amount they could not mail it or tell me over the phone it had to be mailed I received it on XXXX XXXX for XXXX more and a late fee i asked them how much was due on XXXX when they received my they would not tell me so I have been charge XXXX days of interest and a late fee on a house that should have been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are several incidents with Equifax and my dispute of incorrect information. I will start with XXXX public records listed on my report that should no longer be present. A year ago I contacted the courts and the courts informed me that they were not reporting to the agencies to contact rental agency. I did that and rental agency contacted credit agencies that the bills were paid before court. XXXX deleted from my file as requested from the rental agency. Equifax however, only updated as satisfied. Several attempts have been made by myself and the rental agency to have information deleted as it should have not been on my report in the first place. I am trying to make major changes and this is hindering me from moving forward. I can not qualify for a mortgage with this hanging over me. Although Satisfied status it is still considered negative. I would like to know what I need to do in this case. Also, they refuse to give method of verification for any investigation they do. It states in the Consumer Rights that I have a right to that information. This has been going on back and forth for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
On or around the XXXX 2015 my mortgage company Seterus advised me that my payment for XXXX had been returned for insufficient funds. I contacted my credit union and they confirmed the payment was paid and not returned. Seterus advised me to fax a copy of my bank statement to show this, which I did. They then advised it would take 30 days for them to do research. I called each week to check the status and continued to make my monthly payment. Each time I called they also advised me that they were reporting negatively to the credit agencies and would reverse it pending research results. I continued to wait and called them back on/around XX/XX/2015. They then advised they made a mistake and it was n't the XXXX payment that was missing, but was the payment from XXXX. This would be six months later. I shared my disappointment with them. How could a company wait six months to say they are missing a payment? I was then advised I needed to send my XXXX statement, which I did and I still have no resolution to the issue. They now tell me it will be another 30 days which would be 7 months since they claim I missed a payment. Some reps at Seterus say they are reporting negatively to the credit agencies and others have said they are not. The rep I spoke to last advised she could n't even confirm if the XXXX bank statement I faxed had been received. So I guess I have to assume that it has. Each time I call I get different information. The handling of this situation seems too unethical and unfair to me as their customer. I 've made my payment each month. I 've given them the proof they need to show that and they still have not resolved the issue. It is also ridiculous to me that a regulated financial company would not realize they were missing a payment until 5 months later-which in reality I paid. The service I 've received has been horrible and the different information on every call does not lead me to believe they will ever solve this issue and I will have no other recourse, but to hire an attorney and spend money to show I 've already paid them. I do n't feel like I should have to make my payment twice because they have poor book keeping. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i contacted equifax to investigate XXXX collection account in my credit report that does n't belong to me : XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX and XXXX/XXXX for XXXX XXXX XXXX # XXXX i requested documents and proof to validate the debt from the creditors several times and they respond was the inquire or was matter of record and i should contact them which i did and they still not provide me the proof to validate the debt knowing they are violating the FDCPA practices and rules and they wont re-open an investigation even if they never did since it is impossible to do it in the time frame they did XXXX DAYS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account information on my credit report is reporting information incorrectly. The account history information is showing L ( charge off ). The history information does not show or include the payment history and they are re-aging the account. Account information needs to include payment history, late payment 30-day and 150-day delinquency dates. They are not including this information on their reporting period and are in violation of FCRA ( 7 year maximum reporting period ). Any information that can not be provided or deleted showing the correct account history information confirms that they are attempting to re-age their reporting period. I request that all negative information that is reported incorrectly, not providing accurate account history, or deleted account history to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My complaint it against Equifax credit bureau. First, I am not disputing if the debt is mine or not, or if the credit reporting information is correct or not. I understand and acknowledge that the is my debt. I am filing a complaint because according to the new credit reporting rules, once a medical debt has been satisfied, it is to be promptly removed one 's credit history. I paid the medical debt last year and I am asking for it to be removed. XXXX was helpful and removed it with no problem, now I am asking Equifax to remove it. Below are multiple news links that ran articles about the new credit reporting rules. 

Here are the links from reputable news organizations detailing what the new credit reporting rules are : XXXX : XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted Equifax multiple times in regards to inaccuracies on my credit file. 

When I take advantage of the free credit report via XXXX ; I am told that I have not provided sufficient information to access my credit file.I am told I will need to send a paper request in to Equifax. A process that I have done XXXX. Each time I receive a letter back that my information does not match what is on my credit file. 

I managed to talk to a lady to start a dispute process which allowed me to view a little of " my '' credit file - to which I discovered that they have placed numerous items on my credit file which are not mine. 

I am XXXX years old and have never taken a loan out for anything. I have no credit cards. And I have only performed XXXX credit check to get a starter loan. Which is how I discovered this problem to begin with. 

They have mixed my sister 's name, and my name together. They have My first name, her middle initial, my last name ( she is married ), and her birthday. Along with the numerous items on my credit that are n't mine. 

I have provided them with multiple copies of my driver 's license ( South Carolina issued ), my Social Security card ( I have contacted the SS office and verified that only XXXX card exists for that number and I have it in my possession ), and a valid check stub from my current employer ( XXXX ). I have included a brief letter stating that they had my sister 's information and my information mixed. As to which their response was that I needed to send the EXACT information that I had sent with the same letter. 

I have ran out of options and have contemplated contacting a lawyer to speak on my behalf. I was provided the information to contact the CPB via a reference from my sister. 

Any help and guidance is greatly appreciated at this point. I am currently wanting to move forward with my life, but I am unable to do so because of this problem. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed and given proof of payment and that date was wrong at least 20 times and they take it off and then put it back on thru XXXX, XXXX and XXXX all XXXX at XXXX time even that they have the copies of payments showing paid and copy of class action suit that XXXX XXXX XXXX lost for charges over charged. And letter from California TRADE COMMISION AS WELL AS CA. UTILITIES COMMISION TO TAKE THIS OFF MY RECORD. 
That Equifax has reported the wrong dates of the original dates that XXXX XXXX XXXX was opened and closed over and over and refuses to go by original creditor Dates opened and closed THAT EQUIFAX HAS PUT A 7 YEAR FRAUD ALERT ON MY CREDIT REPORT AND HAVE MAILED THEM FAXED THEM AND FILED A REPORT FOR THEM TO TAKE OFF Fraud Alert and have refused to date. 
That Equifax Has cost me many problems Financially and mentally as well as going to be homeless from there wrong doings and cost of there abuse and not reporting information correctly and re reporting information they no is not true and or correct. 
Equifax Has refused to put all my accounts on record or the correct credit limit of XXXX on my credit cards. 
Equifax has cost me new credit and cost me many credit inquiries from there false record reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have XXXX accounts on my credit report that I have disputed repeatedly for just over a year now. I have provided proof from the creditors about the accounts and the errors that needed to be corrected. Each time I file the dispute with Equifax they come back saying that it has already been verified and has refused to make the correct changes according to the letters I have submitted to Equifax from the different creditors. The following is a list of the accounts with issues. I will also be attaching the documentation showing that these accounts should be corrected. If Equifax does not fix these accounts this time I will file a law suite against them for reporting false information and violating my rights under FCRA. 
1. XXXX XXXX XXXX # XXXX - this account was paid in full back in 2007. Was never a charge off. Also, this account is past the statute of limitations for repotting and must be deleted from my report. 
2.XXXX XXXX XXXX # XXXX - this dr office is balance billing for amount over my co-pay which I am not required to pay. I contacted them and they provided a letter that this was reported incorrectly and was to be removed from my credit report. I have attached the letter as proof that this account is to be deleted. This account is being falsely reported and is past the statue of limitations. It must be deleted. 
3. XXXX XXXX XXXX XXXX - this account was paid in full before being sent to collection. This company has repeatedly harassed me despite me providing them with proof that this account was paid in full prior to it being sent to them. I have filed several complaints and disputed this account as required. I have also provided proof that it was paid and never should have been reported. This account must be deleted. 
4.XXXX XXXX XXXX XXXX XXXX this account was paid by insurance company late due to the provider not filing the claim properly. I have a letter form this agency saying this account should have never been reported on my credit report and is being reported in error. Not to mention this account is also past the statue of limitations. It must be removed. 
4. XXXX - # XXXX - is reporting my account late. This account was never paid late as stated in the attached letter. These late payments reporting must be removed. 
I hope to finally get some results with the CFPB help. Every time I dispute, send, call Equifax with the documentation that this accounts are in error. I get the standard we investigated it and it is reporting correctly. How? can that be when I have proof that it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed is this information though Equifax Credit Reporting Agency. After a 30 day in investigation this item was removed from my credit report. I have a XXXX XXXX account and this account is reporting once again.

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 my free annual report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Ca n't obtain my credit report or score from Equifax online

Company response to consumer: Closed with explanation