vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute on all inquiries that were done as a result of identity theft. Equifax replied back on the investigation stating " Inquiries are a factual record of file access. " I am requesting that Equifax contact the companies to verify the information. I have sent requests to the companies prior to disputing and never received a response back from the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax is knowingly reporting information from a furnisher you fined 3 days ago for not reporting credit correctly ... ..but the offense is equifax 's because it is obvious misreporting on the face of the record, equifax is reporting current status as 120 days late while it is a paid in full XXXX balance account..its my XXXX student loan account XXXX ... this blatant error of equifax proves they do not care about cfpb enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.

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

Complaint narrative:
THESE MEDICAL ACCOUNTS ARE INCORRECT. I HAVE HAD MEDICAL INSURANCE ALWAYS. IMPROPER FILING ON ACCOUNT. THESE ARE ALSO SHOWING FROM 2010 WHICH IS ALMOST 6 YRS. I HAVE CONTACTED THESE ACCOUNTS IN THE PAST AND GAVE ALL INSURANCE INFORMATION. BUT IS STILL SHOWING IN CREDIT REPORT AND IS DAMAGING MY RATING. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir or Madam : Consumer Financial Protection BureauRe : Dear : INVESTIGATORThis letter is to complaint about a problem I am having with the Credit Agency on a chapter XXXX case from XXXX XXXX, XXXX that has been dismissed close since XX/XX/XXXX XXXX. I been trying to repair erase and remove from credit report since XXXX XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit and this contribute for me to pay more interest on any credit that I try to open I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their reports letters and other relevant documents with dates of close and dismissed dates unfortunately the problem remains unresolved. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CHAPTER XXXX DISCHARGE ON XXXX/XXXX/XXXX I am requesting that the item be removed and to correct YOUR FILE information. 
Enclosed are copies of supporting my position. Please re-investigate this matter. 
Thank you for your anticipated assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
my daughter is only XXXX years old. 
She has already received scholarship notifications. My wife shredded them. 
My daughter knows how to use the internet, better than I can. Equifax does not answer the phone. I will mail photocopies of the documents you require, as well as attach them to what ever this is. Thank you

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

Complaint narrative:
Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. 

**See reports attached **FOR all this please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX I contacted XXXX regarding my credit card account number XXXX I explained my dispute regarding this account is the XXXX reporting agenciesshow I owe XXXX a " XXXX XXXX XXXX Of '' {$3700.00}. However, XXXX " Charged OffAccount '' as of XXXX XXXX and issued me a Federal form XXXX requiring me toclaim {$2700.00} of this amount as income on my XXXX income tax return. I did claim this amount as required and paid income taxes on this amount. XXXX explained to mealthough I was required to claim this amount as income and pay taxes on it ; and I add in addition, XXXX deducted this amount reducing their corporate taxable income, XXXX submits I still owe them the total balance of {$3700.00}. I know for fact I had to claim as income {$2700.00} of this amount and paid income taxes on it, and I can presume XXXX reduced their corporate taxable income by the larger amount of {$3700.00}. Based on this information, I neither owe, nor does XXXX have any basis of which to claim they can collect, which they did imply they had by stating to me, " Although we are not " actively '' collecting, the balance is still due '', I am not satisfied with their answer ; therefore, I am pursuing you to resolve our dispute based on the above and following, but not limited to, information. XXXX I contacted XXXX at XXXX, her ID number wasXXXX. After I explained my previously mentioned dispute, XXXX said she wouldupdate my account with the XXXX credit reporting agencies based on the beforementioned information I gave her. XXXX/XXXX/XXXX - I receive a letter from XXXX stating the XXXX credit reporting agencies have been updated to state I still owe XXXX {$3700.00}, which includes {$2700.00} reported on the XXXX and the additional {$980.00} ( XXXX, XXXX {$980.00} ). I am submitting this to you to resolve because I am not satisfied with XXXX 's explanations for not removing the amount of {$3700.00} show as " Amount Past Due '' to the XXXX credit reporting agencies. I dispute XXXX should report an " Amount Past Due '' off {$0.00}. Please contact me at XXXX to resolve this dispute. Thanks so much, XXXX XXXX ( XXXX ) XXXX XXXX E-Mail : XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
When I checked my credit report through XXXX few days ago there were XXXX hard inquire deleted then couples days later those inquires are added again.I think that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone stole my identity and had opened a XXXX XXXX credit card. I had opened multiple cases with Equifax to remove this fraudulent account from my credit file. Equifax always comes back with same response '' Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. '' This has caused my credit score to drop from XXXX to XXXX. 
Also this was the address used to open this fraud account : XXXX TX XXXX. I have never lived in this address. Equifax is not removing this address from my credit file. 

I had opened multiple cases to fix this issue, but Equifax never removes this negative account from my file. Below are the case numbers : XXXX XXXX XXXX XXXX

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: GA

Complaint narrative:
Statutes of Limitations for the Bankruptcy record on my credit report. 
Dismissed XXXX XXXX/XXXX/2007 Case Number XXXX in addition if the employers XXXX XXXX and XXXX Broker be removed. 

Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
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. I opened an investigation with XXXX and it did remove the XXXX/XXXX/2015 entry. However, 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 both XXXX XXXX XXXX XXXX and XXXX XXXX. Both 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 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is grave discrepancy on my Equifax credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Equifax credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Equifax, I need a " credit report number '' from them. However, each attempt to access it through Equifax or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Equifax, there is no reason Equifax itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Equifax, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Equifax without it. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 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:
Well for two years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My Equifax credit report claims that XXXX XXXX XXXX conducted a hard credit inquiry on my account on XXXX/XXXX/14. I checked with XXXX XXXX XXXX. They have notified me in writing and by phone XXXX, that I have not initiated any action that would result in a hard credit check, that they have not conducted the alleged credit check on my account, and that all that their records show is that my mortgage payment was reported to Equifax as being current. Therefore Equifax has erroneously placed this alleged XXXX XXXX XXXX hard credit check on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 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:
I attempted to obtain a credit report from Equifax ; however, I could not due to Equifax not being able to verify my identity. When applying for the report, I was presented a list of identification questions concerning previous addresses that I have never resided, a middle name not belonging to me, and a mortgage that I have never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
I was referred to XXXX by a friend. I was told they were an Obama Loan Forgiveness company. I called them, and they said they worked with the Dept. of Education. I was told I was running out of time to consolidate the loans under this program, had to pay {$49.00} a month for 3 years. Signed contract on XXXX XXXX, 2016, was told they will consolidate and wipe out loans completely for a total of {$1400.00}. Found out after that it said I had three days to cancel in fine print. Called the Dept. of Education and they said they had no knowledge of this company and that they should not be taking fees for this service. 
Called back saying I wanted to cancel because they were not with the Dept. of Education and I wanted to go back to school to get a XXXX, and knew I could get loan forgiveness. Asked if I could pay a penalty but was told I was stuck with them for at least ten years, or to pay the {$1400.00} immediately. Changed bank account but they keep calling me, since XX/XX/XXXX, to collect payments they think I owe. Sometimes they say they are XXXX and sometimes they are Equitable Acceptance Corporation, collecting for XXXX. When they call, they often tell me that they will mess up my credit if I do not pay. The supervisor XXXX was menacing and rude, and I was hung up on and transferred to different people. I also receive monthly emails from XXXX. 
I contacted XXXX XXXX XXXX, and they wrote a letter to XXXX on my behalf, asking them to stop contacting me. They have continued since the letter was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my second complaint and I 'm looking for monetary relief. This has caused me to be denied for credit, employment, and damage to my character. For the past 2 years, I have been disputing account # XXXX, XXXX, XXXX as an authorized user with creditor XXXX XXXX XXXX XXXX, account # XXXX with creditor XXXX XXXX XXXX, and account # XXXX with XXXX and the credit reporting agency Equifax Information Services , LLC, and Equifax has refused to delete these accounts. I 've submitted adequate documentations and still no resolution. I am not liable nor responsible for someone else 's debt per FCRA. Also, I 've been a victim of Identity Theft and have also provided police report to ALL CRAs including Equifax who have confirmed that they have received such document. But again, Equifax has continuously violated my rights and the law. I 'm attaching all documents including letters from XXXX who has stated that Equifax and all other credit reporting agencies has been notified to delete accounts but it still remains in my Equifax credit profile which they maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
the site keeps saying my ssn doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting some public record of a judgement of {$7000.00} on my credit report. This is not mine and should be deleted. I have submitted a dispute with Equifax about this but, it still appears on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
We send seterus a check # XXXX for amount of {$660.00} on XX/XX/2015 seterus mentioned on their monthly statements checks received after XX/XX/2015 will have a late fee added on to, for sure they received the check before XX/XX/2015 but they waited until XX/XX/2015 to cash it so they can add a {$10.00} late fee to it and this was not the first time seterus has done this.

Company response to consumer: Closed with explanation