vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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:
Equifax is reporting a Bankruptcy on my file in which i have no knowledge of. Ive explained this over the phone, fax, and through mail. XXXX does not care at all, I dont believe they are even investigating the situation, all I get is the same generated email, that seems to be sent to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX has been included in the names reported section for the Equifax Report which helps to determine my credit score. This is incorrect as this has never been one of my names and should be eliminated from the reports and my credit score.

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

Complaint narrative:
continue to report a bankruptcy as discharged and it was dismissed. see documentation of closed and dismissed see below

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

Complaint narrative:
I went online to Equifax credit report and after fully identifying myself, informed Equifax that they were showing XXXX ( XXXX ) incorrect previous addresses on my report. The addresses were ( 1 ) my mother-in-law whom I never lived with. ( 2 ) my daughter, whom I never lived with, and ( 3 ) my previous work address that I have never used as a residence. After reporting these error on their online form, they incomprehensibly asked me to forward to them, a copy of the following documents:1. Valid drivers license2. S.S. card or XXXX form3. Utility billI can understand this request if they were verifying my current address, but considering that none of these documents have anything to do with the erroneous information on my credit report, I question the inconvenience of the means in which they want me to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've repeatedly told XXXX my personal data was shared online and people were applying for credit under my name. They continue to release my credit report. Additionally, the fraud alert does n't even have my current phone number, which is XXXX. Equifax needs to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax report shows XXXX line of credit account as open, this was closed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are XXXX accounts on my credit report that I have never heard of and do not appear on my other XXXX credit reports : XXXX and XXXX in the amount of {$91.00} ( which I have disputed ). The lien on my credit report has been paid and does not show up on the XXXX XXXX XXXX of XXXX website, yet is showing on my credit report that was ordered today. My credit information is being reported incorrectly. My credit card balance is lower than what is being shown on the credit report, and it is saying that my last car payment was made in XXXX of 2016. Since it is inaccurate, the balance is incorrect. I will be disputing the XXXX accounts mentioned- again. My Equifax score is XXXX points lower than my XXXX and XXXX points lower than my XXXX. This does not reflect well as I try to qualify for a mortgage loan for my first home. Why is Equifax allowed to operate without being monitored? Please notify me if anyone ever brings a class action lawsuit against this company. I will send the appropriate documentation by fax or mail upon request. I will have to print out from various locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting that my account with XXXX XXXX / XXXX which was owned by XXXX XXXX at the time of the reported late payment in XX/XX/2014 and later sold to XXXX. XXXX is reporting the late payment information. I have spoke with XXXX XXXX and they state they have corrected the mistake and are reporting the account to XXXX as paid on time. XXXX is reporting it as paid late and I can not get any information from them because they did not own the account at the time it was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax reported me late on a XXXX XXXX credit card. They have me listed as late 30-60 days. I made a payment on this account on XXXX XXXX for {$20.00}, on XXXX XXXX for {$10.00} and on XXXX for {$230.00}. When I called XXXX XXXX about late fees they reversed them on XXXX XXXX for the amount of {$29.00}. The account was never more than 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
RE : XXXX Loan serviced by Seterus , Inc . 
To Whom It May Concern : I am writing to you about issues that I have with Seterus. I closed on the townhouse property XXXX XXXX 2005. Due to the market at that time, I had more than XXXX % equity in the townhouse at closing. However, I was told that I would have to pay PMI ( private mortgage insurance ) for only 2 years. As you well know the real estate market subsequently crashed. My mortgage became underwater through no fault of mine. 
Since the XXXX 2005 closing, my mortgage was bought and sold several times without my prior approval and/or prior knowledge. I have been paying PMI for 9 years and 9 months. WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Out of all of the XXXX major credit reporting agencies only Equifax makes it impossible to obtain a free credit report. Equifax also makes it impossible to use the dispute system listed on it 's main website. I feel as though this reporting agency is being deceptive in it 's dealings with the public and only wants to be of assistance to paying customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Requested that Equifax provide proof of how they verified the following accounts for accuracy : 1. XXXX.-Account # XXXX ... 
2.XXXXAccount # : XXXX ... 
Please provide the proof that has been requested several times and never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Last year I had a computer stolen, all my information was saved on the computer all my personal and password information. I am writing about all the inquires that I did not do. These are all that I do not have any credit with and would have never contacted them. they are listed here these are the ones from the Eqifax credit reporting bureau. I listed them here by the company and the date the Inquirey was made. 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 XXXXXXXX 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 XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do not have any creditors by these inquires and as you can see some are made twice in the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax would not let me get past the security questions, which were all questions related to a Home Mortgage loan than I never took out, which makes me suspect that fraud may be involved and I need to know what the proper route to take is to identify if any fraud has been made. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i filed chapt XXXX XX/XX/2010 ... .EQUIFAX will not remove item from credit report ... .been 7 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent in a letter to have Account # XXXX VALIDATE on my profile. It has been over 30 days and Equifax is stating their doing an reinvestigation. Please correct or remove this information off my profile as it effects my ability to obtain correct. Also, please address the other accounts listed on the letter as well. It 's has been over 30 days for all accounts and other information listed on this letter.

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

Complaint narrative:
Equifax continues to report a bankruptcy that is not mine - I did not file this bankruptcy, I did not hire an attorney to do so, I did not authorize anyone to file this in the bankruptcy court. I have complained against them previously with your organization as well as the attorney general for CA, the XXXX and the FTC. Someone filed this and it was not me. I also provided the proof to them that I was n't even IN THE COUNTRY from XX/XX/XXXX to XX/XX/XXXX, so how could i have possibly filed this??? I have the border stamps to prove this, which I did send to them. 

In addition, I was able to get XXXX to remove this because IT DOES N'T BELONG TO ME, so how are they keeping this on there, when I provided the proof that those are not my signatures on the bankruptcy paperwork? I provided everything that they need. I WILL take them to court if they do n't remove this, but I 'm giving them the chance to save themselves some money. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences in the signatures on the petition which do not belong to me. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. These prove that I was not in the country not only on said dates of filing, but out of the country that entire year. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy must be blocked and removed pursuant to section 605B of the FCRA. I did not initiate, agree to, sign for, file or have anything to do with this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted the following creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. The creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has posted a collection account with XXXX XXXX XXXX XXXX Acct # XXXX for {$280.00} for a home insurance policy that was canceled and property was covered by another insurance company. Sent them proof and still no response. How can I be charged for a policy that is not active at the time. I am attaching the complaint letter I sent them. This collection has effected my credit rating. Please help remove this collection.

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

Complaint narrative:
Equifax is updating my XXXX XXXX accounts with bogus information. The XXXX accounts are with a company under a rehab plan. Equifax has update this item numerous time with bogus information in an effort to keep my score low. I contacted the XXXX who advised that they do no update while the loan is in rehab however Equifax has updated numerous times with incorrect information. I have also found that Equifax is reporting XXXX set of payments on their equifax.com credit monitoring service and a different set of information on another monitoring service that I have with wellsfargo credit monitoring. It seems as if Equifax is keeping several sets of records. I have had numerous problems with Equifax over their practices and currently pondering a XXXX dollar suit against them. I most recently noticed that they listed XXXX accounts XXXX days for the last XXXX months. The account has been in rehab for the last XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX NOT MINE, No proof of debt- University XXXX No Proof of debt- XXXX NOT MINE, No proof of debt XXXX NOT MINE- XXXX WRONG. Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1: USC 1692g Sec 809 (b) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for "legalization" via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX KY accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I reported XXXX false addresses that appeared on my deceased mother 's ( XXXX XXXX XXXX ) credit report. I wish to have these XXXX addresses removed. 
Former XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX of Deceased Consumer

Company response to consumer: Closed with explanation