vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is refusing to remove the item

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My account with XXXX was tied to the filing date of my ex-wifes bankruptcy. I disputed the date which was updated however they also changed the date of first delinquency ( re-aged ) from XXXX to XXXX in the process. I spoke with XXXX who confirmed that the date was updated incorrectly and they agreed to put through the correction. After the correction did not post I called Equifax who confirmed that the account was re-aged but the correction was not showing. I then contacted XXXX again and worked with them for several hours including a joint conference call with XXXX and XXXX XXXX XXXX Customer Service department which still did not fix the issue. XXXX confirmed that all the information in their system reflects the XXXX date of first delinquency but it is not updating on my credit report. I was then advised to dispute the account again which i did and XXXX responded by saying the information in their system is correct ( XXXX ) but still lists XXXX on my credit report. At this point XXXX is saying there is nothing else they can do and Equifax 's only suggestion is to keep disputing the account. As the 7 year period on this account has passed and the account has already fallen off of XXXX and XXXX, I want the account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I can not believe Equifax Solutions, They have the worse customer service and they are reporting for the Business. I found out that they are reporting commercial card that is not mine on my Business Profile as Delinquency 5 times and wo n't give me the company name or number. The account number or the balance on the account do not match any of my credit cards or loans. This is a error that stop peoples bank from getting me funding. I ask to speak to the supervisor XXXX to find out why I can not find out more about this account by becoming a member online. The supervisor told me they will charge you {$99.00}, but you will only get a summary of your account, but it still wo n't let you know what company is reporting that information so I can contact them personally to resolve this issue. XXXX also said you have to wait 10 days for your credit report by mail before I can do a dispute. XXXX said because of there policy if I do n't have the credit report we can not give you any information on this account. Then I told XXXX that is why I ask to open an account online so I can access my report right away. So I can resolve this myself because this is a error because I do not have any accounts that match what they are reporting. I am so disappointed in this Equifax Business Solution reporting agency. They aloud a company to report of my Business profile, and charge company to see their profile but if there is a problem there is no way to contact the company who is doing that making it a scam. On my personal credit account with Equifax I have access to all my accounts company name and contact number. Why would Equifax not do the same for the business makes nosense, They should not be charging or reporting on business if they going to be onesided. This is my business they have no right reporting false information and not giving me the company that is doing and saying it is not there fault it is there policy. This is stopping me from getting funding and it could take up to 60 days when I could have resolve it right away by getting a letter from the company to give to peoples bank so they can give me a past on this error. And also do a dispute right away base on the information that is clearly on my report. Error like these can take me out of business. Small business need funding. I attached the email from peoples bank showing the account from Equifax business solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Over the past month I have watched my credit score with Equifax fluctuate on a daily basis, ranging in dropping scores of almost XXXX points in less than one day, to raising, dropping, raising, dropping etc ... XXXX XXXX, 2015 ( score XXXX ), but that changed when I reported inaccuracies to this agency and my report was in the process of being replaced with the outdated information. On XXXX XXXX, 2015 ( score XXXX ), XXXX XXXX, 2015 ( score XXXX ) and today, XXXX XXXX, 2015 it is back down to ( score XXXX ). 
I have reviewed information contained on both XXXX XXXX and XXXX XXXX credit files and they have added items that are incorrect, deleted previously populated data and have basically frozen my account with DISPUTES on all accounts. Also, on a daily basis I receive emails telling me that my DISPUTES have been completed and that I can view the results online. However, if I look at them during that current time, they are stuck in the UNDER INVESTIGATION mode. 
I would like for Equifax to remove all history & disputes associated with my accounts as of today and repopulate my account with the XXXX XXXX, 2015 report and END ALL INVESTIGATIONS & DISPUTES from my account, and delete any DISPUTE comments made. The XXXX XXXX report is the closest report I can find in the past 4 months that appears to have accurate information on it, and I would like to start " fresh '' with that information and let my creditors update that information monthly as they 're required to do anyway. 
I have attempted to contact them over XXXX times to resolve the discrepancies and I have contacted the " Dispute '' department, who transfers me to the " Customer Service '' department, who then hangs up on me. This is either incompetence or fraud on their part, but they can go a long way to fixing the issues by restoring my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
I have a mortgage with Seterus Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. I have an automatic payment process through XXXX XXXX XXXX that pays them on the XXXX of each month for the upcoming month. In XXXX 2015, I mailed in a {$20000.00} check and wrote apply to principal XXXX places on the check as well as a letter stating the same. Seterus applied the check to XXXX future payments and applied only a portion of the check to overpayment. After numerous phone calls, emails and a letter from the Attorney General of Arizona my {$20000.00} was applied to principal. Immediately after, Seterus without my consent changed my monthly automatic payment and applied it to principal instead of payment and charged my a late payment fee. This is gone on every month since that and when I call I get statements such as " Your Bank is not paying right '' and " The computer made a mistake ''. Now their creative accounting applies the payment on XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX payment. This is incorrect and allows Seterus to ( wrongly ) collect additional interest. This company states it does not charge prepayment penalty but I feel this is what they are trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
these inquiries should be removed and many are duplicates or done XXXX days in a row. 

XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never lived at the adress XXXX claim I had service at it been living in XXXX since 2007 I never moved back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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:
i contacted equifax in regards to a inaccurate bankruptcy on my report, equifax said the account was verified, so i contacted the courthouse and county clerk sent back document saying they dont verify public records with the credit reporting agencies, so i sent this document to equifax and they basically verified it again, they lied they didnt verify anything, i want this deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There are items on my credit report that do not belong to me and Equifax is n't responding to my requests to investigate and remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
I 'm trying to join the XXXX, during my recruitment process, they did a credit report check on me. They found some information that does n't belong to me. XXXX different accounts from telecommunications services and/or cellphones companies. Please, I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We have a mortgage serviced by Seterus. Over time the payment changed and we were not aware of it but continued sending the original payment. Over a period of months the shortage accumulated to about {$1500.00} - {$1800.00}. We requested that Seterus add this amount to the back of the loan. They requested paperwork, and we supplied them, but nothing was done .We never missed a regular payment. However, now they are saying we are behind six ( 6 ) months, and sending us default notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed a tax lien on my credit report with Equifax numerous times. Each time it states that it was verified via XXXX. I have asked for printed documentation that is dated after XXXX XXXX, XXXX ( letter attached ). To only receive a generic dispute results letter with an Equifax letter head. Under XXXX, the bureaus have to show me proof of their verification not tell me. Equifax has failed to properly re-investigate this. They sent me an almost identical letter in XXXX XXXX and XXXX XXXX. That tells me they generated a pre-written letter from the computer and sent it to me. I have contacted the court and they advise that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. So I do n't know why they were mentioned in the results. I am asking for Equifax to provide documentation that they have re-verified this tax lien with a XXXX letterhead that is dated after XXXX XXXX, XXXX. I sent the last dispute letter VIA USPS with the tracking number XXXX. The letter shows delivered but they did n't provide the requested documentation. Attached is a copy of the letter sent and the results that I received from Equifax. Please have Equifax to mail the above requested documentation to my current address. Also, have the responding Equifax representative provide the last date this tax lien was " verified '' with XXXX along with their name and/or ID number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several hard pulls on my report that are not mine. for months I have been trying to work with eqifax and have even disputed the pulls. the dispute was entered at night and not 8 hours later they stated they investigated it and they were not pulling the wrong info down. I also disputed the info with experian and XXXX whom took my report and took the wrongful hard pulls down, started a fraud alert and were very helpful. Equifax is near impossible to get anyone that can or will do anything, today I filed a police report due to hard pulls that are not mine, Equifax stated they would not do anything about it. I 'm submitting complaint here in hopes to get action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 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:
In addition to my pending case with CFPB ( CASE NUMBER : XXXX ), Equifax deleted my ENTIRE credit profile on XXXX XXXX, 2016 after I submitted a dispute regarding inaccurate information listed in my credit profile. Equifax subsequently removed all the information from my Equifax dispute profile to cover their tracks but, I have proof the credit file was deleted along with inquiries and inaccurate information was re-inserted without notification. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my credit report and since Equifax failed to notify me they broke the law. 
Equifax violated my rights under the FCRA SECTION 611 laws. 
I have proof of the removal on XXXX XXXX, 2016 and the reinsertion from Credit Karma as well as an updated credit file Equifax provided after my initial dispute in CASE NUMBER : XXXX instead of Equifax correcting my credit file they deleted the entire profile then in-served inaccurate information that has been detrimental to my credit and has caused me to be denied credit. 
I have attached the credit file from Equifax the shows the deletion and reinsertion of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX collection accounts on my credit bureau report. All XXXX should be removed because there has been no activity in about 8 years. XXXX. XXXX. After I XXXX, I never used any credit cards or made any payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is wrong information in my report. 
XXXX Account # XXXX & gt ; I have paid down

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Previous information was deleted because these companies were not able to verify the account was mine " XXXX XXXX XXXX '' and " XXXX '' they have since then shown back up without notice. Why would you allow them to report again if they did not have valid proof or could n't validate debt.

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

Complaint narrative:
I contacted them to update and delete inquiries that should be coming off my credit report this month and they illegally pushed the date of removal to the next month. There is also a reported closed account that has been paid in full that has not been removed despite providing proof that it should be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX National Credit Card Cos. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX National Credit Card Cos . 
XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions

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

Complaint narrative:
THE ACCOUNTS ON THE EQUIFAX REPORT ARE WRONG AND ARE IDENTITY THEFT FRAUDALENT ACCOUNTS. I WANT THESE REMOVED, BUT EQUIFAX DOES N'T COLLABORATE AFTER ALL THE EVIDENCE THAT I SENT SUCH AS POLICE REPORT, IRS AFFIDAVIT, MY GOVERNMENT ID, SSN AND FTC IDENTITY THEFT AFFIDAVIT AS WELL. 
THE UNAUTHORIZED ACCOUNTS ARE : ( XXXX XXXX XXXX ) AND XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation