vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX IS NOT REPORTING PURSUANT TO THE FCBA THE XXXX XXXX XXXX OR XXXX ACCOUNT AS IN DISPUTE WITH NO INFORMATION. IT INSTEAD IS PUBLISHING FALSE INFORMATION THAT PURPORTS I OWE XXXX. IT ALSO HAS NEARLY XXXX FRAUDULENT AUTO LOAN INQUIRIES THAT USED THE FAKE MIXED FILE NAMES OF XXXX XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dozens of promises from XXXX to remove a fraudulent credit inquiry from my report. I have been told DOZENS of times that the issue is resolved but Equifax insists that XXXX has not contacted them. This is from a VERIFIED ID THEFT incident in XXXX of 2015 ( NOT A TYPO )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
seterus keeps sending foreclosure statements although we are actually paid over on mortgage. money is in suspense account and they will not apply it to our account. even after XXXX phone calls and they said they would fix it. also reporting on our credit that we are behind XXXX payments. never was. only 2 months and that was caught up months ago. dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Had car loan with XXXX XXXX XXXX, surrendered car voluntarily in XX/XX/XXXX, item was to have been removed from my credit file from XXXX XXXXand it is now XXXX and it is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a tax lien on my credit report with XXXX XXXX XXXX, docket XXXX for a federal tax lien in the amount of {$21000.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to IRS to get this federal tax lien verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I have not received XXXX document that shows this account is owed bearing my name, address, birth date, social security number, or anything with my signature on it. I was even told by the court house that they do not report to the credit bureaus so how can this be reported?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
For them to remove the items off my credit report like they should have already even without me having to dispute them. 
There are 3 or 4 total that I have disputed with them from XXXX and XXXX. 
1 is XXXX, another is XXXX, another is XXXX, and there are XXXX XXXX XXXX credit cards that are all really old. But the companies either changed the dates or sent them to collection and started them from that date. But either way I only had these cards for a short period of time and they are well over XXXX years old. And for them to refuse to remove them is illegal. Please help, thanks

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: IL

Complaint narrative:
Since XXXX/XXXX/XXXX, someone has been trying to apply for credit cards in my name. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX assures me that they have sent 2 letters to Equifax to remove these fraudulent inquiries. XXXX has sent XXXX letter. XXXX is in the process of sending a letter. 
I have spoken to Equifax on several occasions requesting they remove these fraudulent inquiries from my report. I have filed a police report on the XXXX XXXX and XXXX inquiries. Equifax claims they have not received any letters from the credit card companies. They also claim they can not request copies of the police report. I put a 90 day hold on my account with Equifax at the same time as a XXXX hold. XXXX showed the hold, but apparently Equifax either did n't do it, or does n't care, because the XXXX inquiry should have never been allowed without my consent. 

Can you HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have repeatedly disputed account information with Equifax and they have never shown me any verifying information to confirm account status. Online collections account is reporting negatively on my credit file.

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: DC

Complaint narrative:
inquiries were removed and re added without notice or reasoning

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 — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report that I have no sourceof income. I have been a XXXXfor over XXXX years. They have been sent myinformation XXXX times, and no changes!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has not noted to my credit file ( XXXX XXXX XXXX the creditor and dispute source ) that I have disputed this account as reported. Instead, Equifax says that it 'verified ' the account " as told by XXXX ''. My dispute has to do with the balance $ amount and my reason the account was not settled immediately. Equifax did not reflect on my credit report a dispute even after I provided to them my actual balance statement with XXXX posting errors and XXXX balance differences outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have ask for investigation from the credit reporting agency because accounts that are being reported for XXXX XXXX XXXX also known as XXXX XXXX XXXX has never been validated with me. I have no knowledge of these companies and have never made any type of contractual agreement to pay these companies. The credit bureau is claiming they are investigating the dispute but I have been unable to contact the company. My certified letters have always been returned. No phone number to contact company. So how is the credit bureau able to verify information when I am not able. In addition to their bogus investigation process, these accounts are in violation of HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is taking too long to conduct my investigation. I asked them to investigate incorrect information on my credit report in XX/XX/XXXX, and they have not responded to me yet.

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

Complaint narrative:
Equifax XXXX are reporting me as delinquent on my account which lowered my score. I have contacted my creditors and everyone states I am current on my accounts. NO one is able to explain why my score has plummeted!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Previously, XXXX/XXXX/2015 requested EqualFax to remove XXXX of Georgia since the last reported date exceeds 7 years, and by law Equifax needs to drop or delete this account ( See attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed my name with Equifax on numerous occasions and most recently in XX/XX/XXXX 2015. Equifax is reporting me as XXXX. which I have never been XXXX. nor have I claimed to be XXXX I put in a report with the Consumer Finance Protection Bureau in XXXX 2015 against Equifax for not correcting my name. Equifax reported back to the CFPB that they were correcting this concern which they did but within a couple of weeks they changed it back XXXX. I am being harassed by Equifax because I have called them out on their illegal and unethical practices. At this point they have left me with no other option but to pursue litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, recently there was a statement sent out from XXXX XXXX to Equifax. The statement sent, after discussing a miscommunication, of a 12 month, 0 % introductory period/roll over account from XXXX XXXX XXXX XXXX, was contingent on 2.9 % of the total balance. I 'm now aware of the miscommunication and cleared late charges and brought my account to balance. Ther contingency is : there are no late fees, or interest charges, applied the first three months of my rollover, that should have triggered late payments. Please remove any adverse remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft, I have filed the necessary affidavit with all three CRA. The original creditors are disputing this information, the CRA is refusing to remove the items that the thief used. Its impacting my livelihood and ability to obtain credit. I have sent them numerous letters, refiled the affidavit. To no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax, over the years, has maliciously attempted to report inaccurate information. While sometimes I 've had luck removing these items, this time the damage this company has done to me is irrefutable. 
For starters, I have XXXX items showing as " Dispute in Progress '' - for over XXXX days. But if you look at the other image I attached, the dispute shows 'expired ' ( # XXXX ). I never received confirmation the dispute was even completed, let alone expired. This is an attempt to harm my credit. 
XXXX, Equifax claims that inquiries are a statement of fact. They have, on XXXX occasions, granted file access to companies I have never engaged nor wish to receive credit from. The act of allowing someone else to access my file without permission is NOT legal. Moreover, I have had a continuous fraud alert on my file since 2013 which was NOT triggered when someone applied for credit that I did n't ask for. 
Finally, Equifax has continuously spammed my inbox trying to get me to sign up for their XXXX-Bureau monitoring program when I 've opted out of such services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX reports to the credit bureau every so often and even though this account is past the 7 year limit it is still listed on my report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Remove outdated item past ( 7 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ETHOS LENDING LLC
State: CA

Complaint narrative:
The lender Ethos Lending charged lock extension fee unnecessarily when they had required conditions in house for 10 days or more. Lender kept insisting on stamped received tax return when the return was already e-filed by tax preparer. We explained many times to the underwriter that the IRS will not re-stamp a e-filed tax return because it would require a new confirmation number and that it would confuse the IRS system. The Underwriter did not believe us until they charged us the {$650.00} lock extension. Then all of a sudden it was a non issue. The borrower was a XXXX and I had promised him a no fee loan. I as the broker had to reimburse him for the {$650.00} after the loan closed or he would have cancelled the loan. I repeatedly had asked XXXX XXXX the Sales Manager to refund me on this matter, however most of the time he did not return my phone calls or e-mails only to say that he would look into the matter. 
I think this is a way for them to make more money on their loans by having the lock period expire and then charging the broker for a lock extension. Their administrative side is also lacking because you could not talk to a underwriter directly. Only by email and most of the time you did not get a reply. Their former XXXX XXXX XXXX will testify that this is the truth as he agreed with me that it was the lenders fault for letting the lock period expire unnecessarily. I have enclosed a letter from the sales manager stating that he totally agrees with my argument and will go higher up for a solution, however nothing has been done to this date

Company response to consumer: Closed with monetary relief