vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Equifax : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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:
XXXX and XXXX XXXX XXXX XXXX both ran a Hard Inquiry on my credit reports without our authorization. 
We never heard of these companies before. Got their name from our credit reports inquiries section. The Inquiry needs to be removed. This is fraud. 
See attachment which shows the hard inquiries on our Equifax Credit Report both done on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. I viewed my husband and my credit report and noticed that our mortgage was reported being paid late for XXXX 2014. I spoke with our mortgage company and I verified online that our payments posted on XXXX/XXXX/2014. XXXX did not have a record of our payment being late for 2014. I have documents to support this information and have attached them to this dispute. I also noticed that my date of birth was incorrect on the report. It is listing my husbands date of birth as mine. I would like to have this information reviewed and corrected on our reports. Please contact me at XXXX or via email at XXXXXXXXXXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I was offered an expedited loan modification by the servicer for my mortgage Seterus Inc loan XXXX in XXXX of 2016, I was told that the modification would go through once I made XXXX consecutive payments. I have made all the required payments ( XXXX, XXXX, XXXX ) as well as payments for XXXX, XXXX, XXXX and still I have not received the final document and the modification has still not gone through, I have called the company several times and each time I call I am told that it is being processed -- -the issue has been escalated and yet nothing changes and words on when the process will be finalized

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
GREETINGS FROM, XXXX XXXX XXXX YOURS : XXXXNEITHER EQUIFAX , XXXX, XXXX. 
# 1 EQUIFAX IN XX/XX/XXXX WANTED A COPY OF DL, XXXX EMPLOYER AND A POF PAPER REGARDING CASE # XXXX {$24000.00} PLAINTIFF XXXX XXXX XXXX. ON XX/XX/XXXX THIS WAS MADE AT THE XXXX COUNTY XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. AND REGARDING ALL XXXX CREDIT REPORT COMPANIES, THEIR WAS A TIME WHEN XXXX XXXX CREDIT CARDS IN XXXX, XXXX, HELPED THEMSELVES TO REQUEST EQUIFAX XX/XX/XXXX, AND THANKS TO YOUR HELP, THE FTC SENT A LETTER TO THEIR OFFICE IN XXXX, XXXX AND THE CREDIT REPORT COMPANIES HAVE NOT REMOVED IT FROM MY CREDIT REPORTS, EQUIFAX , XXXX AND XXXX, THIS WAS A MATTER DUE TO SSID THEFT. NEITHER OF THE XXXX CREDIT REPORTS REMOVE WHAT THEY WERE TO REMOVE FROM MY CREDIT REPORTS. 
RESPECTFULLY, XXXX XXXX XXXX OFFICIAL SS NAMEHAPPY XXXX TO YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections reported by XXXX and Equifax from XXXX XXXX XXXX for {$470.00} XXXX COMPANYPO BOX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent bureaus information about this account not being mine. They have not deleted from my credit file.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a acoount reporting twice on my credit contacted equifax to remove XXXX since its also being reported by XXXX. Was never removed

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

Complaint narrative:
This credit buerau is reporting information from creditors that resulted from someone using my information to obtain money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, however some still remain and those Equifax claims there not reporting on Consumer Report anymore but they still areFraudulent Inquiries still remaining -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -This inquires still remain in my credit report, I need them removed like the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spent the last two hours trying to get my free credit report online. Every time I finish filling out all the information ( and there is a lot ), I get just so far, XXXX and the computer kicks me out and I have to start over. With XXXX, they wna wanted to charge me because they feel they have already given my " fee report. '' I have a XXXX issue that I need to dispute because it is keeping my small business loan from being approved. I do n't owe XXXX money. 
They failed to credit me for XXXX tablets I returned, then penalized me for going to XXXX Total is XXXX USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Need to remove the comments on the XXXX account ... The settlement made with XXXX was for the " FULL '' balance not " less then full balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is information on my credit report that says I worked at XXXX. I never worked for them. My ex husband did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.

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

Complaint narrative:
Per conversation with CFPB this morning, I was advised to respectfully request please attach all documents from case # XXXX to this complaint against Equifax Reporting Agency Credit Reporting company 's investigation ... into Creditor name/info, balance, payment, etc./ Account status -- Paid bill on time, account closed, etc./ Personal information-Wrong address, etc. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my addresses listed there is an address from XXXX Texas. I have never lived there, which may be someone using my credit for all these inquiry 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has blended the credit report of family member with a similar name and social security number with my credit file. They have been provided with the correct information and acknowledge that a mixed file has occurred but have refused to separate the XXXX files and deleted the accounts and inquires that belong to this person. I have filed several disputes with them over the last several months with no success of getting this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another

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

Complaint narrative:
Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. 

This is simply an attempt to avoid providing a free annual report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested in ( XXXX 2016 and XXXX 2016 ) to Equifax to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They never provided me with the information requested yet claim that the information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report

Company response to consumer: Closed with explanation