vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a packet from the FTC and in this packet was an identity theft information packet and in this I turned to the page about reporting identity theft to a credit bureau, and on this page it states that if I submit my affidavit and police report and the bureau accepts it then they have 4 days to block the information or they can reject it and notify me within 15 days to gather more information. Since I never received any rejection letter or communication asking for more information, I conclude that Equifax accepted my affidavit and has broken the law by not blocking the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute this XXXX account for several months. Equifax has had this in continual dispute for well over 60 days. I have reached out to XXXX on multiple occasions, and they have NO RECORD of me in their system. They have no way to even pull this account up, as they no longer have the information in their system/never had information attached to me. 

I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My complaint is about the conflict of interest at Equifax. The company is a for profit company and is accountable to its shareholders to generate profit. The company is in charge of consumer credit rating ( collecting information and issuing credit rating ) and the company also makes profit from it consumer credit monitoring and subscription business. So the consumer would pay XXXX. I was a subscriber for almost two years and I cleaned my credit, disputed inaccurate information etc. Tecently have decided not to renew my membership as did not see the use for it given that you can the same service free from XXXX. Equifax kept emailing me to renew membership. Since we are in a process of refinancing and given that my credit decreased despite the fact that I had perfect credit history I decided to sign up again and to my surprise they removed all positive information from old accounts and replaced with XXXX, which is not reported, and put back negative late information. I called them to dispute it and they stated that it is coming from the creditor. This is deceiving to push us as consumers to feel the need to subscribe to their product so we can keep Equifax in check. There a conflict of interest here. They should not be in both side of the business they should be either rating company or consumer credit monitoring. Otherwise, their credit monitoring should be offered for free since they are using our personal information to make money. When I complained, they added more information on those accounts closed in XX/XX/XXXX and paid in full in XX/XX/XXXX to show then as XXXX until XX/XX/XXXX, no one would respond to my inquiries and their costumer service uses deceptive methods not to assist and resolve the issue. Submitting a dispute could take months. We work very hard to establish a positive payment history and they simply can not have so much leverage in manipulating or skewing the data in a way they see fit. The credit rating has an impact on consumers ability to obtain jobs, loans and credit at more favorable terms and these agencies should have have so much power. Consumers are being victims of corporate greed. I hereby request that all the negative accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to find a phone number that will get the to the correct person and/or get the report I need. On-line just says can not do it on-line due to information not matching but I verified I entered correct information. I had personal info hacked on an account and need to get credit report but not letting me on-line and can not get hold of anyone to see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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:
Initiated credit freezes at all XXXX bureaus in XXXX of 2015. 
Equifax and XXXX now require a form letter and ID to be sent via mail to receive the free credit reports. XXXX still provides the report online. 
Equifax and XXXX are being punitive since I initiated the credit freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 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:
Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a few problems lately with equalifax one is in XXXX they reported a change of address that drop me XXXX points which i have had the same address for the pass 5 plus years on my report then i dispute a collection iteam on my report which was remove then put back on so i drop XXXX points on my score plus there are XXXX judgments that are not on my our reports XXXX or XXXX and they are not my its unfair that i am being treated like this again my other credit report agency are reporting correct how exqulifax is reporting false information is unacceptable i been continuly been disputing these iteams with no resolved. What ever help your agency can do to restore my credit file will be greatly appreciate. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My Equifax credit score is XXXX points lower than the score of XXXX or XXXX. all the reporting agency credit reports contain the exact same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have seen at least XXXX credit inquiries on my Equifax credit report from car company 's. I have NOT filled out ANYTHING from a car company. My last credit application was to XXXX. I do n't know who is making these hard inquires from these car places, but I want it stopped and removed! I have also written a letter to the credit bureau which will be sent out today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Equifax regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit bureau must provide physical verification of original signed contract, according to FCRA 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Last month XXXX/XXXX/2015, I filed a complaint with your organization under complaint # XXXX,, because Equifax continues to knowing and intentional report information that they know at face value is inaccurate. After my complaint was filed with your organization, they claimed to have opened a new investigation and that they never heard from me on the matter before my complaint to your organization. Well Today, I received a letter from them dated XXXX/XXXX/2015 indicating that they completed the investigation and the information was verified accurate and nothing was changed despite the obvious face value inaccurate information is truly conflicts with all the currently reporting on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There is XXXX hard hits on my credit file that I did not authorize. I did not request the compan 's to pull my files. I disputed this with equfax they state they looked into it but that it 's public record so it remains. I contacted the companies and there response has been thay do not have any info on it but it might or might not have been done but it 's equfax that reporting it so it 's equfax I have to deal with. Equfax refuses to do anything about the matter and because it 's on my credit file it hurts my credit rating. They are playing games and Equfax can not prove that I requested credit from these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FOCUS FIN acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

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

Complaint narrative:
I disputed XXXX credit inquiries. While co-signing for a car for my son who is in the XXXX - I was under the impression that my credit would be pulled by the dealer that the car was being bought at ( XXXX XXXX in XXXX, NC ). Next thing I know - there are XXXX other inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have spoken with both Equifax and XXXX credit bureaus and both have stated that the information XXXX XXXX is listing as my reason for being declined is not correct. 
I have seen a copy of both reports and also do not see the reasons listed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, I call Equifax disputing old accounts from XXXX with them. I was told that this account had just been placed with them in XXXX, and it will remain on my credit history until XXXX. 
I believe that Equifax is doing some illegal activities. I also spoke to a supervisor and he said that I can not dispute those dates, and he quit talking, leaving me on hold for about five minutes until I hung the phone. These report should have been removed in XXXX, however Equifax renew it in XXXX for an additional seven years. 
Who would expect a company such as Equifax participating in the fraudulent deceitful reporting something got to be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: MN

Complaint narrative:
I am in the process of a refinance. All of my paperwork is submitted, and I have been approved. The new loan company, XXXX Mortgage, is all set. The title company, XXXX XXXX, is all set. I was supposed to close today, XXXX XXXX. But the current loan holder, Seterus, has not issued the necessary payoff quote. XXXX XXXX made a request on XXXX XXXX, but it was denied because they did not use the internal Seterus form. They were never told that they had to use this form, even when on the phone with them. I was not notified of the denial. I have a secure email inbox on my Seterus account, and they did n't put a notice in there, only a notice that a fax request was received. So I submitted a payoff quote request online on XXXX XXXX. Upon submission, a note comes up that says give them up to XXXX business days. But when I call, they tell me it *might* take XXXX business days but maybe longer. All requests for expedited service are denied. Their communication has ranged from nonexistent to wildly unhelpful. I can only reach customer service reps by phone, and they will not escalate my request, saying instead that " everybody has a story. '' I am told by many people in real estate that the practices outlined above by Seterus are highly unusual. I feel like my loan is being held hostage by a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute because there was a fraudulent inquiry on my credit report. I spoke with the company XXXX XXXX and they cancelled the application. XXXX XXXX also sent out correspondence. I decided to dispute the inquiry however, Equifax is did not remove the inquiry stating " Inquiries are a factual record of file access ''. This violates FCRA. Equifax was suppose to contact the data furnisher to verify whether it was fraud. Obviously Equifax did not do anything because clearly Equifax feels all inquires are factual even if fraudulent. This is not the only time an inquiry was fraudulent and I received this dispute response. I have entered into litigation with Equifax before and I do not mind filing suite again.

Company response to consumer: Closed with explanation