vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.

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

Complaint narrative:
Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is listing fraudulent account information on my credit report. I have never signed any documents, agreements or contract with this company. I requested proof from Equifax, I requested copies of the original signed dated contract. No contracts or agreements exist with my signature that shows I allegedly owe XXXX XXXX XXXX XXXX. Account Number XXXX. I informed Equifax that this was a fraudulent account opened in my name. Equifax informed me to send an identity theft report and they would remove the XXXX XXXX XXXX XXXX. Account Number XXXX in 7 days. I sent Equifax the Identity Theft Report as instructed. Equifax still will not remove the account from my credit report. 

Equifax is knowingly and purposely violating the Fair Credit Reporting Act, which states once an Identity Theft Report is received, the fraudulent information is to be blocked from showing on the credit report in 4-7 business days. In addition, no documents, contracts or agreements exist with my signature. Please make Equifax remove, XXXX XXXX XXXX XXXX. Account Number XXXX from my credit report, for violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My mortgage broker is unable to see my Equifax report. I called Equifax and they told me I have a fraud alert. I never had a fraud alert on my report and as of a couple weeks ago there was none on my report and I asked for none to be put on my report. They told me they would take it off. My broker still can not see my credit report, yet can see all of the others. I believe that Equifax is punishing consumers for disputing items on their credit reports by blocking their files from being accessed. Again, there is NO fraud alert on my credit report, I can see that on XXXX/XXXX/15 there is no fraud alert listed. But yet that is what Equifax claims. I have seen online others complain of this same issue with Equifax though I can tell the the Equifax and the bureaus have been able to employ and suppress negative information regarding their anti consumer bad deeds otherwise the first XXXX pages of a google search would be filled with more problems. I want Equifax to be investigated for these type of retaliatory activities. And I want my Mortgage Broker to be able to see my credit, it should be that hard as I only have XXXX name and XXXX address and XXXX social security number!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2015 I filed a Identity Theft report with my local police department via instructions XXXX Complaint # XXXX. I have sent this information to Equifax XXXX, and XXXX XXXX. With a confirmation delivery Receipt on XXXX XXXX, 2015 Equifax has not blocked this damaging information. I filled a complaint with the XXXX also because this matter is urgent! XXXX XXXX XXXX of Equifax has investigated this matter as a dispute and determined that the account belonging to me. I have spoke with local authorities that said this investigation is still on going. I have been a victim of ID Theft and I should not be held responsible for a debt that I have not agreed to pay! Equifax continues to report inaccurate information which I am sure they are aware of the violations that they are committing by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the company to have status of closed account updated but got no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting on my Equifax credit report 3 times, account numbers XXXX in which it is the same XXXX account reporting 3 times. This is a fraudulent account and does not belong to me, it belongs to XXXX XXXX. I have attached a letter from XXXX acknowledging the debt is her and that I had no knowledge of. I am asking for you to please remove these XXXX accounts as they are not mine. I have attached a copy of an incident report from the XXXX XXXX XXXX. I am submitting my mortgage document with my signature and the year of my XXXX XXXX XXXX residence. Then I am attaching a copy of the letter from XXXX acknowledging the debt. Lastly, I am sending a copy of my property tax document, which shows I did not reside at the residence on the application, during the period of the application, I resided at my current property XXXX XXXX XXXX XXXX . I have been residing between the XXXX properties over 15 years, Yes, I am also attaching the application page that was submitted to CFPB from XXXX in which it is clear that is not my signature on XXXX 's application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX showed up on my inquires on my credit report did not apply for credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly that XXXX XXXX XXXX is the owner of this account. Equifax reports incorrectly that this account has a balance {$7700.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
XXXX XXXX has been working with Seterus to be reviewed for alternatives to foreclosure. Upon suggestion from Seterus, XXXX listed the property for sale as a short sale and subsequently received an offer on his property. Upon submitting the 3rd party authorization to Seterus on XX/XX/XXXX and the full short sale application to Seterus on XX/XX/XXXX, I was advised that " Seterus is way too backed up and behind to even work on getting the borrower 's authorized third party onto the account any time soon ''. I was also advised that " because Seterus is so behind, we probably wo n't even get around to this short sale for the next month. 

It is inexcusable to take two weeks to have a borrower 's AUTHORIZED third party listed on their account to speak on their behalf. It is also inexcusable that this homeowner is trying to avoid foreclosure, has a valid hardship, followed the steps he was advised to take and is being told that his bank simply wo n't have the time to help. There is a foreclosure sale date coming up and Seterus wants no accountability. I do not know what games Seterus is trying to pull but this is not helping their borrower - it 's pushing him into a further hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The name XXXX. Is not me. Also the last name XXXX is also not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have found a XXXX acct with negative remarks on my name I have no knowledge of this acct please remove it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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:
This is a complaint against Equifax XXXX XXXX and Depart of Security Frezz The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX or XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX XXXX ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XX/XX/XXXX and XX/XX/2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that XXXX that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equfax indicated that the public record investigation indicated the liens were released, but did not update the credit report. 

The liens were released in XXXX 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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 sent Equifax XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Equifax is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Equifax along with a final certified receipt date XXXX/XXXX/2015.

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

Complaint narrative:
I have been the victim of ongoing ID theft and have a few fraud accounts and inquires reporting on my Equifax credit file. I have sent in a police report several times. The following items are fraud Equifax please needs to block and or remove these items. I can never access Equifax 's online dispute due the website always having issues. 
1.XXXX XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3.XXXX XXXX XXXX/XXXX/XXXX Please update my correct address to the following XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a very old account from XXXX XXXX that keeps reporting the same account information over and over to Equifax, they then report it over and over. The last date real information was reported was XX/XX/XXXX which was paid as agreed, they then keep reporting it over and over, then it stays on my report. Equifax just old me in a phone conversation it would stay on there now until XX/XX/XXXX. Equifax Confirmation Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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:
Im disputing this because equifax, XXXX and XXXX did not provide me with proof that my files were validated that the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Tried to obtain my free annual credit report using AnnualCreditReport.com ( ACR ) but Equifax keeps denying access to the report and instead redirects me to a page where I have to buy the report. Also, the ACR website will not allow me to submit a complaint about the problems with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
account has been settled in full and is still being reported as a open collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX

Company response to consumer: Closed with non-monetary relief