vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX The following account above is not mine, and it is keeping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was doing a annual credit report and saw that my credit report was already viewed on XXXX/XXXX/15 and could n't get a free credit score and report on Equifax. Todays date is XXXX/XXXX/15, I noticed that the credit report was viewed around the time my wallet was lost. It had my Driver 's license and my social security card. So I 'm almost certain that my identity is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Dovenmuehle Mortgage, Inc.
State: OK

Complaint narrative:
I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax - As you know, deleting the Pay History for this account orphans the record - and leaves this account Inaccurate and then also incomplete, according to the XXXX and XXXX credit reporting guidelines. 

XXXX XXXX XXXX - Not Reporting Accurately 1. This Account is Paid and Closed. 
2. The Activity Designator is inaccurate, and should not be " N/A '', instead it Should be Paid XXXX Balance 3. The Payment History is inaccurate, and should only reflect the 3 months that this account was opened. The Pay history goes through XX/XX/XXXX, when it closed in XXXX. 2015 Please verify the Open/Close Date for this account Please verify the Pay History that supports this Trade line Please verify the Activity Designation for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) the public record ( Dismissed Chapter XXXX Bankruptcy ) was to have been removed from credit file XX/XX/XXXX. EQUIFAX is the only credit bureau who has not complied. Their action continues to have a negative impact on credit scores. 
I continue to dispute EQUIFAX Hard Inquiries. EQUIFAX continue to comment that these hard inquiries are factual records of file access and if I believed these records were unauthorized for me to contact the creditors. I have done this on several occasions. 
Credit files : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a judgment being reported by Equifax Credit Bureau from XXXX XXXX XXXX. The Credit Bureau insists that they have verified this information however the court asserts they have not. The case was dismissed without prejudice with no judgment and the bureau continues to report this information. It is Judgment with CIrcuit Clerk - Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please remove hard inquiries from in account, not all are applicable. I 've never had dealings with Equifax mortgage solutions, do not have mortgage nor do I need one. I dislike that this reporting lowers my credit score. Also, I do n't understand why my credit cards represent a negative. My history is clear ; I always pay my accounts in full monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
State and federal lien but paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have written about this dispute SEVERAL times and neither Equifax nor CFPB has taken proper action. 

Equifax continues to report INACCURATE information even though I 've complained directly to them, and via CFPB. I have sent documents via CFPB to support my claim, but NOTHING has been done to correct the error. Why does CFPB exist if they FAIL to uphold the law that requires them to penalize the CRB 's for inaccurate information when PROOF of the errors has been submitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have XXXX XXXX XXXX accounts that are over 7 years old that I want removed and also XXXX put a judgement on me after it was on me as a collection for 7 years. 
Also, I have a tax lien that is over 7 years old and should be removed from XXXX county. All of this is on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a federal tax lien that has been withdrawn, equifax will not update my credit report to reflect the withdrawn status which would remove the negative public reporting from my credit file. The withdrawal was issued XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On my credit report I notice a delinquency, for a charge of {$190.00}, that had been sent to collections. I had never received that service ( XXXX ) or received a bill from ( XXXX ). XXXX has acknowledged the mistake and has claimed to be fixing the issue. I did not find out about this charge until the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Good day, I am writing this complaint, because while in the loan modification process. I have been advised that a sale date is still being scheduled on my property. I have been cooperating with the bank and going backa nd forth in submitting documents for a fair review to lower my monthly mortgage payement. Please help me out as I do n't want my property to go on sale. This is my home and my childrens home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
At XXXX, after waiting 12.5 months since our last Equifax reports from XXXX .... '' Internet Delivery Unavailable - Mail-in Request. We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : Annual Credit Report Request ServiceXXXX, GA XXXX '' This seems to defeat the whole purpose of keeping my SSN and other personal info out of the US Mail stream where it is easily stolen. Why?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The last name of XXXX is on my credit report. This has never been my last name. My maiden and current name is XXXX. Also there are accounts from XXXX that were paid in full and closed by me that I have requested to be removed and are still on my report with both Equifax and XXXX. XXXX being XXXX XXXX XXXX, XXXX is XXXX credit card and the other is XXXX XXXX Credit card.I would like that incorrect name removed as well as the 9-10 year old loans and credit accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
This has happened before already with the same account which does n't belong to me ( XXXX ) that has been forwarded to a collection agency. This is identity theft and I will not allow it to ruin my credit score again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello. I have had nothing but problems for years with EQUIFAX. I recently filed Chapter XXXX got all my debt cleared trying to have a fresh start. I have asked EQUIFAX to remove all inquires I circled and sent them from my Equifax credit report. I have had so many people pull my credit unknowing since filing bankruptcy to offer me car deals and send stuff through mail. I also saw a change within a week of my credit score dropping XXXX points from where?? They have not provided why my score dropped so drastic. it is bizarre because XXXX and XXXX have honored my requests and my score is XXXX on both Equifax reports XXXX in XXXX XXXX and now XXXX XXXX XXXX something is clearly wrong especially since I have not occured any more debt and XXXX points is massive to not know where and why it dropped and came from. I always get a auto generated message from them no answers to why or how they found the information. They just say call the person inquiring but they say call Equifax!! Please help me I am restoring my life and trying to open a non profit for children in human trafficking. This is frustrating and unfair. 

RespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THEY DELETED A COLLECTION AND XXXX CLOSED CREDIT CARD ACCOUNTS ON XX/XX/2017 AND REINSERTED THESE ITEMS BACK ON MY CREDIT REPORT ON XX/XX/2017 WITHOUT GIVING A NOTICE OR REASON AS TO WHY THEY WHO DO THAT. I ATTACHED PROOF THAT IT WAS SUPPOSED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. being that they have gone well past the 30 day and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to delete the information which they can not verify that I have disputed. Thank you very much for all your help in making sure that Equifax remains compliant in all their dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX 's account included in bankruptcy and discharged but still reports as a charge off. It was never a charge off. I disputed via credit reporting agency and the information is deleted then reinsert ed showing a balance owing.

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

Complaint narrative:
I am unable to dispute existing collection accounts on my Equifax credit report because they have an incorrect name on my credit report, I had no success contacting them by phone and I do not feel comfortable faxing my information over to a company that will not take the appropriate steps to verify a persons real information before applying it to their credit report, effecting their lively hood. They are providing an inaccurate report which continues to negatively effect my employment opportunities, living opportunities, as well as my health as this has become a major stress added to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XX/XX/XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I purchased a a car from XXXX XXXX. in XXXX. I have had several problems with it the first 3 months. I went to the salesman in XXXX 2015 and told him I wanted to look into a different car he asked how much I still owed and I roughly told him. He tried to call the bank but no answer, so he ran a credit check again I did n't sign anything and now I have XXXX marks on my credit report from the same company. On top of all that he could n't get me into a different car. He should have done a soft inquiry not a hard one that will effect me for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax and the creditor Voluntune for defamation of my credit. 
on XXXX/XXXX/2015, I discovered the creditor XXXX has been reinserted into my credit profile. 
The credit bearu is required to notify me within five ( 5 ) days of reinserting a prieviously deleted item. I did not recieve any such notification. 
I have requested Equifax to delete this item Immediately from my credit profile. 

I am ready to file a lawsuit against the creditor for reinserting the preivously deleted item under the fair reporting credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenEquifaxXXXX

Company response to consumer: Closed with explanation