vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCV Inc.
State: WV

Complaint narrative:
Tier One continually calls my mother 's phone number with a pre-recorded message directed at my ex-husband of 25 years. I 've spoken with several associates of this company in the past and explained we have no information/contact with him since the divorce and demanded they remove her number. They assured me each time her number would be removed from the call list. This has been going on for the better part of a year. 

Just this evening, we got another call at XXXX hours again from a caller I.D . of XXXX, WV and a phone number XXXX XXXX XXXX XXXX. Knowing who it was, I punched ZERO for the operator as soon as the pre-recorded message ( with my ex-husband 's name ) launched at which time a XXXX XXXX picked up the line and I went through my script all over again. He assured me XXXX as others have done in the past ) he would remove my mom 's number from the list. I let him know I was taking names, notes and logging calls and was prepared to file a formal complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
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: MN

Complaint narrative:
Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My Mortgage servicer ( SLS ) would not accept electronic payments from my bank scheduled on XXXX/XXXX/2016 for receipt on XXXX/XXXX/2016 or XXXX/XXXX/2016 ( the last 2 days of the grace period for my mortgage loan ). This was noted by both my XXXX XXXX and XXXX XXXX XXXX checking accounts - when the respective Bank 's bill pay centers stated " SLS would not allow payments until XXXX/XXXX/2016 or later ''. All my other electronic payments to XXXX XXXX, XXXX, etc. were accepted as scheduled by the vendors for the day after the payment was submitted ( as submitted before XXXX ) - or XXXX/XXXX/2016 for payments I submitted today ( XXXX/XXXX/2016 ). SLS will accept payments made through XXXX XXXX or their own website - XXXX for a fee - but are now restricting customers from using their bank bill pay services at or around mortgage payment cutoff. This is wrong - in that they should accept all forms of electronic payments on equal terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX reported a hard inquiry on XXXX/XXXX/15 on my Equifax Credit Report. I have no knowledge of this company.

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

Complaint narrative:
I have filed numerous disputes, information gets updated/corrected, then gets changed back to incorrect information. After numerous calls and discussions with several manager-level Equifax employees, nothing is resolved. For example, I have submitted documents that support my personal information. In this instance my 'name ' is XXXX XXXX XXXX , NO - suffix XXXX.. Equifax claims that a creditor is reporting the information but I have verified that none of my current creditors are reporting a suffix on my name. 

In addition, multiple credit accounts not being reported correctly such as status, balances, etc. I have called XXXX 's, XXXX, XXXX, XXXX XXXX and they all state that Equifax is a nightmare when it comes to reporting correct information. 

Also, all information is reporting correctly on XXXX, XXXX, and XXXX. This problem is only indigenous to Equifax. I have been checking my report on a daily basis, submitting new disputes, having creditors re-report the correct information. However, Equifax dispute system does not function properly. I am exhausted from this serious matter, please investigate this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have recently submitted a complaint with Equifax regarding the following fraudulent accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX # XXXX results came back as verified. I have never created an account with this company and have sent Equifax all documents needed to establish the fact that someone stole my identity. The reaming XXXX accounts XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX have been frozen in dispute since XXXX/XXXX/2016 which is now beyond the 30 days to investigate this matter. The fraudulent accounts are effecting my credit, life and liberty. Please resolve this matter and remove the fraudulent accounts from my credit file so that I may start to rebuild my life.. 

Sincerely, A Frustrated Victim of Identity Theft

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

Complaint narrative:
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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 sent Equifax numerous correspondence in regards to my credit file being inaccurate. I am a victim of identify, and filed a police report and filed an identify theft report, and provided all of this information to Equifax. I have called over 3 times, and faxed my paperwork to them over 4 times. XXXX and XXXX have made the corrections, but, it has been 3 months and Equifax still responds that the information was verified. How can it be verified if it not mine???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
In attempt to take advantage of HARP i 've been attempting to get my home refinanced. My existing mortage holder ( Seterus ) has done everything to put up obstacles to prevent me from doing such. The latest is for my Loan Payoff, submitted my first request through my new mortgage provider ( XXXX ) on XXXX/XXXX/2015 and we still have not received the payoff that we requested and at least 3 other attempts have been made for figures. My closing was set for Friday, XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I could not get my report online from Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent a letter to you disputing a collection account as erroneous on XXXX XXXX, XXXX and mailed them certified, return receipt requested. I received notice in the mail that Equifax received the dispute letter on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and I have not received a response from Equifax on the removal or status. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 

I 've filed a previous complaint with the Consumer Financial Protection Bureau ( Case # XXXX ) against Equifax and the XXXX XXXX XXXX for reporting and collecting an unverified debt that is also violating Federal and State Laws. The Mississippi Statue of limitations on this alleged debt has expired as of XXXX XXXX and is no longer a collectable debt and reporting a zombie debt is in violation of the FCRA. 

Equifax , CBA and CFBB have failed to resolve this issue and now in violation of the FCRA. 

I would like to see a response on this and the issue resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed to items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did a dispute with all XXXX reporting agencies. It has been well over 30 days with no contact from anyone. I know that with the fair credit reporting act, that if no contact is made within 30 days, then those items must be removed from my credit report immediately! I have also filed a complaint with the XXXX. I want these items taken off my credit report ASAP as it is affecting my ability of getting a mortgage. Please can you help me as no one else seems to want to help! I want this false information taken off! 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my XXXX and Equifax reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.

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 status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a patient XXXX Clinic and the owner, XXXX XXXX XXXX, was my XXXX. 
I went to this clinic XXXX. During the time that I received XXXX, I spoke to XXXX about my inability to continue XXXX due to the co-pay situation since I only had XXXX and they did take my Medicaid. 
XXXX told me personally to continue the therapy and that the co-pays would be written off. 
I would nt have continued otherwise. 
The co-pay was never written off and it has been sent to collections for some time now. Additionally, it has appeared on my credit report and it has adversely affected my ability to obtain credit. 
I am respectfully requesting that this debt be cancelled per the discussion that XXXX and I had during my XXXX sessions. In addition, I need the debt removed from my credit report. 
I have attempted to resolve this with collection agency and the clinic. I sent letters XXXX and they refuse to respond. I have made phone calls XXXX and they want to record my call ( which I am fine with as long as I get to do the same ). They have refused to have a mutually recorded conversation. They have refused my calls under these terms. I have requested XXXX to remove this debt off my report since they have not been able to validate the debt and they refuse to resolve it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1 address listed on report is incorrect never lived at that address

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX of the addresses listed on my reports has XXXX XXXX XXXX, I have never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I had the " Equifax Credit Watch Silver with Credit Report Control ''. Product from Equifax. Now there was a feature in that product called " credit control lock '' which allows the customer to lock and unlock the credit report. I have never turned that feature on, but my credit report had the lock on it. it 's been couple months that I tried to get the lock removed and hours of phone calls with several department within equifax. No luck in getting it resolved. Still today my credit report is locked and when I apply for credit I get declined because its locked. 
I need them to please fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called exquifax on XXXX. XXXX, at XXXX time. to request for my credit score. Equifax refused to provide me any information I 'm entitled to access under the Fair Credit Reporting Act. I told the representative I 'm willing to provide a copy of my XXXX driver 's license, Passport, XXXX, Bank Statement and credit card statement, they still refused to provide me my credit report & score because I do not have SSN and I 'm not able to get XXXX. ( XXXX refused to issue me XXXX because of im on student XXXX and not allowed to work ) The Fair Credit Reporting Act states that I have the right to obtain my credit report and score, and it does not require a social security number. Name, address, date of birth is sufficient to locate credit profile ( XXXX provided my credit profile through those information ). Passport and Driver 's license should be sufficient to prove my identity. ( Sufficient for XXXX to prove my identity )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have an account in my credit report that is seven years old and has not been deleted yet. 
I would like Equifax to investigate and delete the derogatory XXXX XXXX account due to it evening seven years past the last delinquency. 
Equifax also will not let me enter online into their dispute area after I have answered all of my security questions correctly.

Company response to consumer: Closed with explanation