vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX accounts that have been closed from signal XXXX XXXX XXXX XXXX that are over 10 years old. At this point these accounts needs to be deleted from my credit profile but the credit reporting agency have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'd like all addresses removed from my credit report except for my current address. The credit agency only removed XXXX address instead of all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a collection account on my credit report from XXXX. 
I never received a bill. 
I have dispute this on my Equifax report back in 2013. 
I sent a letters for validation and dispute and the company never responded.

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

Complaint narrative:
There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is listing accounts that are closed as open, this is an intentional act to assist with keeping credit scores low. After disputing items on my report with Equifax they intentionally changed the status of these accounts to open causing my score to drop by over XXXX points. The accounts that are being reported incorrectly are as follows, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX accounts. By putting the accounts in open status it affects your credit score. For instance why would a collection account that has been closed and paid be reporting as Open. This only changed to open after it was disputed. Equifax is attempting to intimidate people that challenge information on their credit report. Equifax is also reporting a judgment as pending with out the date of filing, they are failing to report a tax lien that was released as released it just shows no status. I have also noticed that the reports that they send you is different then what credit monitoring services have on file as your report. I intend to start litigation against Equifax for this bold and malicious behavior if not corrected asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called disputed the information with all credit bureaus through telephone and through their dispute process. they still are showing incorrect information. XXXX sent me the correct information but Equifax in their response to the complaint said that the creditor verified the information. I am attaching that information along with the withdrawals from my bank account when the mortgages were paid. XXXX was deducted on XX/XX/XXXX, paid on XX/XX/XXXX because XXXX lied and said I input my bank information in wrong and on XX/XX/XXXX, paid on XX/XX/XXXX.

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

Complaint narrative:
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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 XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax stated they verified bankruptcy that is on my CREDIT report with XXXX XXXX. XXXX account has a security freeze on it and representative from XXXX XXXX stated they did n't verify any information with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I 've previously disputed this issue with the CFPB. I NEVER filed for bankruptcy. This issue is now on my son 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
My monthly mortgage payment went {$1800.00} /month to $ XXXX started in XX/XX/<YYYY> This happened because they opened escrow account which was not there while it was serviced by XXXX Mortgage. As a result, I lost the flexibility of making arrangements with the XXXX to pay property taxes and insurance payments with insurance company. As a result, I am perpetually XXXX payment behind all of XX/XX/2016. In addition, every time I try to schedule the payments or move the scheduled dates, I am being harassed perpetually.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed XXXX disputes with Equifax for a judgment being reported as satisfied. It was reported in error, and paperwork was completed and recorded to cancel the judgment that was recorded in error. The other credit agencies have accepted the cancellation document that was recorded by the court. Equifax does n't seem to understand the difference between a satisfaction and a cancellation. If they want to report the judgment as " cancelled '' that 's fine. It is showing as " satisfied ''. I would like it to be removed or corrected.

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 — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it 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 this is against consumer law. 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 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband and I applied for a Loan Modification at XXXX XXXX XXXX because of health/medical bills, etc. We were never late or failed to make payments. After speaking with multiple supervisors they instructed us, against our wishes, to stop making payments 2 times in order for our Loan Modification to be approved. My attorney instincts kicked in and I said I did n't trust it because I did n't want to be reported negatively on my credit report. They repeatedly told me it would not affect my credit report and they would not negatively report us. I said I wanted that in writing, which I got the supervisor to write me via email stating that. I thought that should be good enough. Then I recently checked my credit report and of course one of the only negative ( and now my only negative reporting as my other one from a credit card have been fixed ). This makes me furious that they specifically told me not to pay which did not sound right but I listened to them because it had been over a year trying to get our Loan Modification approved. I then did a dispute with XXXX and they said they wo n't change it which is crazy since I gave them all the documentation including the email from XXXX XXXX XXXX. I will pursue this to the end as it is wrong and I consider it to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I had a tax lien that was released in XXXX of 2015. As instructed by my state tax commission, I mailed a copy of the satisfaction letter to all XXXX credit reporting agencies on XXXX XXXX, 2015. XXXX & XXXX removed the lean within days of the letter receipt, but Equifax has yet to remove the lean from my credit file after several additional attempts to dispute the tax lien via their online dispute system, USPS mail, & fax. I am beginning to get frustrated as this is negatively affecting my overall credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I disputed inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, which were added to my Equifax report on XXXX XXXX, XXXX & XXXX XXXX, XXXX. This is due to fraud because I did not apply to any of the cable companies in XX/XX/XXXX. However, Equifax insist that the inquiries are factual, which is false. For instance, XXXX is no longer listed as active. I googled the company, & the company seems to be out of business. Also, I tried to contact the other inquiries, & they are hard to get in touch with too. Plus, Equifax finished the investigation the same day I disputed the inquiries, which means they did not investigate the inquiries. If I had difficulties contacting the inquiries, & still have not received a response from any of them, then that means, Equifax gave me a false report because they did not verify the information. They are required to remove ( or block ) any unverifiable & inaccurate information from a consumer 's report, especially fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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:
i went to get an auto loan they ran my information and my social came back as deceased. i have called all XXXX credit agencies and cant get an answer from anyone.

Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
I have several accounts listed with you that are fraudulent some of these companies such as pmab llc acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted several disputes about the current payment status of " XXXX or more past due '' on XXXX accounts with Equifax and they always come back as confirmed with creditor. The XXXX account was settled in 2012, and the XXXX XXXX XXXX account was transferred over a year ago. XXXX creditors say the status is incorrect but they can not change it. How can accounts be closed with zero balance and also be 120+ days past due at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have requested my annual free credit reports from Equifax , XXXX and XXXX ; I received my credit report from XXXX XXXX, 2015 and sent back disputes in XXXX, 2015 never heard another word. 

I sent in XXXX request to Equifax , XXXX never heard a word or the free annual credit reports. 

I would like my free credit reposts and I would like XXXX to take my disputes seriously and reply. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered a Georgia State Lien on my credit report XX/XX/XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau that the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It was not corrected. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.

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:
Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Equifax is reporting. I have informed Equifax that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, Equifax , and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX place a lien amount of XXXX owe to do for tax year XX/XX/2010. I was told that they never received my state XXXX. After submitting the information requested. It show that a refund was owe to me instead of me owing them. I have tried several times to have this remove from crediting reporting agency Equifax but no success. All other credit reporting agency has removed this information. I requesting that this information be removed because it was not accurate in the first place. Stating paid in full is not a true statement. When I did not pay anything because the owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.

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 — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE. SSN : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and Equifax and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX and Account Number ( XXXX ) : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection of XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint

Company response to consumer: Closed with explanation