vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got my credit report and it shows that I owe a medical bill of XXXX dollars but it does n't show name, phone number, address, or account number of the collection company. And i would like to be removed since it it looks fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is taking over 30 days to send dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
had requested equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are XXXX unkown social security numbers on my credit report that I do not recognize. There are also a alarming number of accounts that I did n't open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX management is reporting that I have have a check that was returned do to insufficient funds this is not true this was a stop payment do to the tires I bought made a funny noise I returned the tires and did not get money back I told them I stopped payment this is not true it was not insufficient funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am trying to remove a Dispute comment that I put on my account. The dispute is closed. I have been dealing with Equifax for weeks, and not only have they not taken off the dispute comments, but they have put the accounts in " Dispute status '' which is even worse. The other XXXX major credit reporting agencies took these dispute comments off immediately but I am not only getting the runaround with Equifax, but they are making it worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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:
I am filing this complaint because Equifax has ignored my request to provided me with documents that their company has on file used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible. Thanks You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

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

Complaint narrative:
While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Equifax is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Equifax does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Equifax may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Equifax is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have items on my credit report that do not belong to me, as I am a victim of identity theft. I submitted my police report and FTC report along with my letter multiple times to Equifax and although most of the accounts were removed, the XXXX XXXX XXXX XXXX account was not blocked at all and only came back as " verified ''. This account does NOT belong to me and I have been disputing this account for months now! They are violating my rights under section 605B of the FCRA. If they DID block this account and re-inserted it, they did so without my knowledge and never informed me that this account was re-inserted ; by law they must notify me within 5 business days of the re-insertion. Neither of these things happened. My next letter to this company will be an Intent to Sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
One Company put in my credit Report a Debt for XXXX dollars for XXXX time. 
XXXX time i did a claim in the All of XXXX Credit Buro : The Result was : DELETED THE ACCOUNT. This account do n't belong to me or was Used my name. 
XXXX Time : The Collection Company tried to Put again this Debt in My Credit Report. I did a Claim and the Result : The Account was deleted. XXXXAnd Today XXXX/XXXX/XXXX i was checking my credit report and appear again this account. Equifax do n't send any information why or the reason that this Collection appear again in MY CREDIT REPORT. 
I need your Protection for eliminated this account for ever of my Credit Report. And Also put the penalty for Equifax because do n't obey the Law for reinsert Collection deleted for XXXX time. Of course the worst situation is They had proof for my XXXX claim that this Debt is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Name is incorrect on report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The law firm of Pressler and Pressler LLP in XXXX NJ has been filing suite against me in the local county courts and I have been requesting the required information on the debt since they had XXXX contacted me and they have not yet done so, I have repeatedly advise them it is not my debt. Through my own research with what little information they have given me it appears they and their partners have purchased some kind of written of credit card which has nothing to do with me. The courts set a trial day for XXXX XXXX however upon arrival I had been informed it had somehow be decided on XXXX XXXX, additionally each time I receive any notifications concerning the debt they have provide a different name for the entity claiming to own the debt further confusing the issue and from the articles I have found is a tactic they often use, I have been informed the firm is currently under federal investigation for using similar actions in violation of the Federal Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
They are continuously reporting me delinquent and pass due to credit reporting agencies saying that I am 30 days delinquent when I have made a payment every month since XXXX XXXX, 2015. XXXX 2015 I starting a Loan Modification trial. I completed 3 successful payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX On XX/XX/XXXX, my loan was modified and I made my first payment XX/XX/XXXX for XX/XX/XXXX payment. I paid XX/XX/XXXX payment of XX/XX/XXXX and have made every payment since then. With an IDPROTECT representative on the line with me ; XXXX XXXX XXXX, at XXXX, said my XXXX XXXX and XXXX XXXX Payments got " wrapped up in the loan modification '' and were not applied to XX/XX/XXXX or XX/XX/XXXX even though I signed the loan modification papers in XX/XX/XXXX and the Loan modification was official XX/XX/XXXX. This is why they are showing me past due in error. We are in need of a new car and this error is seriously affecting my credit score and my ability to obtain credit and other financial services. We have been battling this inaccuracy since XX/XX/XXXX when we started receiving collection calls that we were past due and I kept telling them we are not and provided proof. All the representatives that I have spoken with, Including XXXX XXXX today, have agreed I have paid all my payments on time and that there is an error in their system. Yet, it still does n't get fixed and I am being punished and damaged with bad credit reporting. I feel I am left with no choice but to seek legal action and sue for damages to recover my losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Tried to obtain my annual credit reports. XXXX was no problem. Equifax and XXXX both were unable to send. Equifax questionnaire asked questions but none were related to any information about me. XXXX did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NV

Complaint narrative:
I have a current mortgage serviced by Seterus , Inc . I am trying to pay down the principal every month by adding {$120.00} payment. I make the payments over the phone, separately, and the representative on the phone tells me I can make the payments this way. Seterus ' representative gives me a separate confirmation number for each payment ; mortgage payment and the extra principal payment. But when I receive my mortgage statement, it shows the extra principal payment going into a suspense account instead of going to the principal balance. I have called to get it fixed, just to have it occur again the following month. This month I received a letter with my mortgage statement explaining that Seterus " can not accept partial payments '' so they put the money in a suspense account. When I make the extra principal payment I am not making a partial mortgage payment and the representative on the phone assures me the money will be put on the principal. I called Seterus this morning and spoke to a customer service agent who told me that Seterus can not take extra principal payments over the phone because the system can not accept it and therefore every time I make the payment over the phone it will be put into a suspense account and eventually moved. She advised me to send a separate check to Seterus in the mail for the principal payment if I do n't want the money to end up in a suspense account. I do not understand why a servicing company can not apply payments over the phone as directed when it takes an employee to enter the principal payment into the computer either way. I do not believe I am the only person trying to responsibly pay down my mortgage and being told conflicting information. Putting my extra payment in a suspense account instead of the principal on allows Seterus to make additional interest and costs me every month. I would like to know if a servicing company can purposefully make it more difficult to pay down the principal balance, especially for people who do not use snail mail anymore, in order to dissuade people from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently disputed inquiries in my credit file which were not initiated by me. Equifax place these eroneous inquiries in my file instructing me to contact the creditor. If I did not contact the creditor to have them placed there why is the burden placed upon me to have them removed instead of the reporting agency, who caused this error to began with. Not only is it illegal to provide false information it is also making it harder to gain new accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX, XXXX XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Equifax reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Equifax can change the balance owed to XXXX and take the word dispute off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX for ( XXXX ) removed off of my XXXX Credit report on XX/XX/2017 and XXXX for ( XXXX ) was removed off my XXXX Credit Report on XX/XX/2017 and Equifax refuses to remove it from my credit report when it has been previously disputed and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a written request ( attached ) requesting unauthorized Inquiries be removed from my credit file from Equifax on XXXX/XXXX/16 ( see attached letter ). They refused to remove the Inquiries. See their written refusal letter ( attached ). I do not recall authorizing these Inquiries. I also called twice and spoke with representatives of Equifax, they also refused my request to have the unauthorized Inquiries removed. Thank you.

Company response to consumer: Closed with explanation