vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I made many attempts to access my credit files with Equifax between XXXX - XXXX XXXX, but it was hard @ first for me to get into the system online. I was told to answer some questions concerning my Identity before I could gain access to my files. I answered all questions correctly but was told my responses were incorrect and in order to access my file I needed to send in drivers license and other documents. I signed up for a trial membership under Equifax online and was able to access my files. When I was finally able to access my files online, I was not able to add comments to my dispute because special characters appear rather words. Since XXXX XXXX, XXXX I have filed XXXX disputes with Equifax and have received sixteen ( 16 ) e-mails informing me that my complaint had been received or the dispute was completed. These are the e-mails I received ; Wed. XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Monday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Friday XXXX/XXXX/XXXX and today Monday XXXX XXXX. What is so strange every time I went to the Website to view the files I was always denied. It would take me back to step XXXX to start over. I consider these activities to be either fraudulent or harassment. I was told others they have experience similar situations. There are things in my file now that I have disputed that was changed from closed to collections over the last few days. My credit score do not move no matter how I pay my bills on time and keep a low credit utilization. I believe something is going on with Equifax practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My dob has been incorrect for many years and has not be corrected eventhough I have provided verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to dispute a {$95.00} medical bill that is open with Equfax. I sent a dispute to XXXX and let them know that I paid the bill before it was sent to collections. The results are below. After verification it shows that I did pay the bill. I want this removed from my Equfax report as well. 


Since your last update on XXXX XXXX, XXXX, 1 collections account has been removed from Account Type Removed Status Reported By XXXX XXXX XXXX Removed XXXX Removing a collections account from your credit report can have a positive effect on your credit score. 

This is a copy of what equifax has : Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$95.00} High Balance {$95.00} Remarks Medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They are reporting old address on my credit file that were never mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the XXXX. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a inquiry dispute letter to equifax stating that certain inquiries on my credit reports was not authorized by me and I asked to see verifiable proof with a document bearing my signature. They sent me a letter saying that it was verified but no proof which anyone can say that it have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed a medical collection appearing on equifax report since XXXX 2016. The issue is this account was paid in full to original creditor which is XXXX Louisiana XXXX hospital. Equifax is not properly investigating my complaint and is returning to me the same result of " Collection Account Paid in Full. '' This is unacceptable. The collection agency is dishonest and equifax is not doing due diligence on behalf of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The XXXX XXXX card being reported has multiple errors. An my dispute is not being investigated properly. The balance due is incorrect, late charges assessed are incorrect, and there are theft/fraudulent charges billed to the account. The debt was removed by XXXX XXXX and then re-added by XXXX XXXX without a thorough investigation. XXXX XXXX also illegally re-aged on my debt on my credit report to appear current. However the debt is aging more than 3 years and the dispute with XXXX XXXX was never resolved.

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

Complaint narrative:
I have disputed this item several times. A tax lien was placed on my file in XX/XX/XXXX. It was not supposed to even happen as the filing was inaccurate. I paid the money that the state said I owed to avoid this issue. Despite paying the {$1500.00}, a " lien '' was attached. I immediately, when I found out, addressed this issue. The case is settled, closed and moot. Experian and XXXX XXXX have corrected the issue. Equifax did not. I was denied a student load because of this and disputed the information again in XX/XX/XXXX/XX/XX/XXXX so that I could obtain federal student loans. I assumed it was taken care of as I got the loan. I applied for a XXXX XXXX and found this on my file still. I called the pronothary 's office and they CONFIRMED that they do not send information to the credit reporting agencies. I spoke with several agents at Equifax who provided me with canned responses. XXXX said that the dispute had been verified by the pronothary 's office and I advised her that this is simply not true. She then revealed that a third party trolls for the information. I advised them that the information that they placed on my file is in accurate and has caused a ton of hardship. Same response - nothing. I am caught between a rock and a hard place and XXXX office tells me that it is a credit bureau issue and the credit bureau tells me that they are reporting accurate information. I have documentation that the lien is settled and in error and this has been sent several times to Equifax for correction to no avail. I have been given incorrect, inaccurate and downright false informatoin by Equifax employees and I would like this investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a open collection on equifax 's credit report. i have disputed the validity of this with the collection agency ( XXXX ). they have sent me a letter stating that they have requested that this be removed from the XXXX agencies ( XXXX and equifax ) reports. XXXX complied and equifax refuses. i have disputed this and they insist it has been validated even though the collection company has stated in writing that this was an error and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are reporting an incorrect address on my credit profile. Please remove XXXX address. This has never been my address. 

Also, there are many authorized Inquiries showing on my credit profile from XX/XX/XXXX through XX/XX/XXXX. Please remove these inquiries from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This complaint is against Equifax for illegally reinserting negative information on my credit report. 

A couple of months ago, I started disputing some inaccurate pieces of information that were showing up on my Equifax file. One of these small details was related to a wrong reporting date on a XXXX credit card account that I felt should have been updated. 

The account number for the account is : XXXX Until recently, this account was reporting with a XXXX balance due on my credit report. After Equifax received my disputes, they started reporting a negative balance of {$1400.00} on my credit for no reason at all! For years, this account had been reporting as paid and settled with Equifax. 

Equifax has no right or reasoning to suddenly place a large balance on one of my settled accounts without any explanation. 

To facilitate the CFPB 's investigation, I am including screenshots from XXXX XX/XX/2016 credit reports that showed Equifax was reporting a " XXXX '' balance on my XXXX account. I am also including a screenshot from a recent report which shows how Equifax has suddenly inserted the {$1400.00} balance. As you can see, a large balance was placed on my credit from one report to the next. This is wrong. 

I called XXXX to see if maybe the mistake was made by them but when I called, the supervisor said the debt was so old they do n't have any information on it! This is proof that there is no balance due on the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX account on my EQUIFAX credit report should have. Been removed it 's been seven years now since I returned the vehicle back to XXXX I returned the vehicle back into XXXX on XXXX 2009 and XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be XXXX months delinquent so my first delinquency would be in XXXX of 2009 and if I was XXXX months behind on a car lease XXXX would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because XXXX is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to EQUIFAX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into XXXX or it would be seven years from my first delinquency

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

Complaint narrative:
I filed chapter XXXX and a judgment is still being reported on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX states that they have tried to reach me. We have not heard from them although we are in the office everyday XXXX.I called the XXXX XXXX escalation department XXXX/XXXX/2015 and left a message. This is real simple have XXXX XXXX XXXX dispatch on their letterhead that they have requested this to be removed from my credit reports as XXXX, Equifax , XXXX. In correspondence from the actual representative XXXX XXXX she specifically uses the word rescind.Lettters from all credit companies state XXXX XXXX says it is reported right. So it has become a finger pointing game. Everything i am stating is in black and white.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
all three credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at wells fargo bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon receiving my credit report from equifax, I noticed that I have inquiries that I know I did not authorize. Please have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a fraudulent credit inquiry. I have informed them several times that this inquiry is fraudulent, and they continue to report it. The fraudulent inquiry was entered on XXXX/XXXX/16 by XXXX, as an identity thief attempted to open a new account using my information. I have filed a police report specifically regarding this inquiry, and had an Extended Fraud Alert added to all XXXX credit bureaus, all of which Equifax has been made aware of ; and yet they still have not removed the fraudulent information from my report after repeated requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Having a hard time getting monthly statements from the Seterus Mtge Co. Acct # XXXXX Property address XXXXXXX, XXXX FL XXXX. Our Bankruptcy XXXX was XX/XX/2014 and they still say that they ca n't send monthly statements due to us being under bankruptcy. We did chapter XXXX in XX/XX/2014 and the XXXX company was not included in the bankruptcy. They do n't listen to us after several attempts to clear this error up. We are so tired of this run around it has been over XXXX yrs. Please assist me in clearing this up. 
Thanks so much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I had a case of credit fraud in 2015 on several accounts and XXXX and XXXX is the only company that will not remove the report from my credit. I have sent them all of the information that I have available and that was not enough for them, but was ample for all other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuse to remove the public records in my credit file. I have sent identity theft reports, disputed the information and still no resolution. They know they reinserted these public records into my file. Public record # XXXX that is not even my last name on the document. All of these public records should of been removed. Equifax is just stalling and costing me financial pain in the process.I have already seeked legal advice so therefore If not resolved in this complaint I will sue Equifax for willful noncompliance and {$5000.00} for each item they refuse to remove from my credit file. All these items just suddenly appeared in XXXX 2015 on my report. That is not coincidental its Equifax improper reporting of my credit report. And also all of my tradelines were missing and then all of these negative item just reappeared with my tradelines. I have the archived credit reports to prove what I am talking about too. Attach document for what purpose they already have them in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I dispute XXXX XXXX XXXX account it was purchase from XXXX account # XXXX credit report show last payment XXXX. XXXX XXXX XXXX claim last payment XXXX, in reality last payment was XXXX. Because more than 7 years from last activities XXXX and XXXX after investigation remove XXXX account # XXXX and XXXX XXXX XXXX account # XXXX from report. Equifax remove only XXXX but refuse to remove XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I permanently opted out of receiving pre-approved offers in XX/XX/XXXX. I 've also had a state security freeze on my credit file. 
In spite of this, Equifax provided information about me to XXXX XXXX XXXX on XX/XX/XXXX and failed toprovide any permissible purpose. What they provide is general. When I informed Equifax about it through XXXX of theirattorneys, they supposedly deleted the inquiry as if it never happened. I also wrote to XXXX XXXX requesting reasonsfor the inquiry on XX/XX/XXXX and asked them to respond within XXXX days. As of today, they have have not responded. 

I did not conduct any business with XXXX XXXX and my security freeze should have prevented them from gettinginformation at all without my consent. It appears I can do absolutely nothing to keep prying eyes out of my creditinformation without a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Due to fraudulent activities on my credit report, the following addresses were added. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Security questions for Equifax all had to do with accounts opened within the past few years -- I have n't opened any accounts, which makes me worried that someone 's using my identity. But because I ca n't answer the questions I ca n't access the report online!!!

Company response to consumer: Closed with explanation