vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
In mid 2013 we reluctantly signed a deed in lieu of foreclosure with Seterus Mortgage. We had very poor Response from Seterus ... ..but having no other choice, we signed the paperwork. To this day, we have yet to receive our promised check and our Attorney advised us to get a response from Seterus before he decides to do anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX took me to court over a debt that was dismissed with prejudice in my favor. The information was sent to the credit bureau and they refuse to remove it from my file as XXXX is still reporting it even though legally I am not obligated to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband died 2 yrs. ago after an XXXX. He had medical bills still owing when he died. After the XXXX XXXX XXXX XXXX XXXX reviewed his personal estate, it was found deficient in funds to pay his medical bills. A collection agency, XXXX XXXX, XXXX began contacting me about several bills, of which the bill for {$280.00} was just XXXX of several bills that they attempted to collect. I had hired an attorney, XXXX XXXX ( now XXXX XXXX ), to contact XXXX about several larger bills. Apparently the bill for {$280.00} was not itemized when she had contacted them. I both called and wrote to XXXX XXXX, XXXX stating that this was not my bill and could not be collected from me. XXXX stopped sending statements to me but instead contacted Equifax and XXXX and had this collection placed in my credit report. I notified both Equifax and XXXX that this was not my bill. I sent documentation including my husband 's death certificate and the finding of deficiency in the estate, as well as correspondence to XXXX. XXXX found this does not belong to me and removed the collection notice from my credit report. Equifax is still maintaining that this does belong to me and the collection notice remains on my credit report. I have asked Equifax to review this but they still maintain that I own this bill at this time ( as far as I know. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX The following account above does not belong to me, and it stopping me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I DID dispute information only showing on my Equifax credit report regarding a judgement that I do NOT owe and asked for validation proof regarding the item on credit referring to XXXX county court for a XXXX XXXX. No other reporting agency is reporting the item only Equifax. I sent my dispute on XX/XX/XXXX certified mail and to date they have never responded and the item is still on my credit report. This item is keeping me from get a mortgage and causing financial distress. This is a violation of my rights and they have ignored my validation request. they need to remove the item immediately. I have attached the proof I sent the dispute by certified mail and the proof they received my dispute as well as my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc.
State: GA

Complaint narrative:
My mortgage is due on the XXXX of each month with a 15 day grace period. If Seterus does not receive my payment on the XXXX, they begin calling repeatedly on the XXXX throughout the rest of the month.

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

Complaint narrative:
On XX/XX/XXXX, I discovered that this information from XXXX XXXX Inc had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence within the 5 days as stated in the FCRA. I have since sent in proof of deletions and reinsertion to Equifax prior about this account and it was deleted yet again on XX/XX/XXXX then reinserted today. Attached are screenshots of my credit report on 3 separate days showing that Equifax is guilty of reinserting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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:
Equifax released my credit report to these individuals without my permission. These are fraudulent inquiries. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
As per your request iam seeking to complain for same reason to equafaix, they have rong information on my report tats adverse to my record ... as with trans union. please add these to my complaint..it involves a judgement removed.. as much te XXXX and both XXXX bills and the credit card .... we wish, these adjusted and removed .... the XXXX card in fact, we ask credit collectoras stated to send proof, it beyond statu of limitation, but was n't as we stated not mine. they sent doc belonging to unknown party, who was a plumber? Ive been in XXXX XXXX since 2004, never was plumber ... .or have employees or plumbers ... .. thank you .please refer to original complaint,. XXXX XXXX

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

Complaint narrative:
I am trying to remain calm and just be factual, thank you in advance. I disputed XXXX items on my Equifax on previous case XXXX. Equifax has deleted the XXXX. The one I have issue with is the XXXX account XXXX. The attached credit file revision from Equifax , has a note that states " Additional information has been provided from the original source regarding this item '' I need that information. XXXX and Equifax believe my last payment was not made XX/XX/XXXX but in XX/XX/XXXX which just happened to be the exact time we filed bankruptcy, so are we to believe I paid them at the same time I filed BK? 
If they actually received payments XX/XX/XXXX, XX/XX/XXXX I would have received a XXXX for interest they received. I have attached my XXXX from my first mortgage XX/XX/XXXX it 's very small as I only paid them a 2 months and the schedule A itemizing my interest deduction and the signed second page of our XXXX 's. It 's not logical that I would have not paid my first mortgage and for some reason paid the second mortgage, XXXX and then coincidentally not have been issued a XXXX? Would I really file a federal tax return with deducting the interest paid to XXXX, if I had made a payment XX/XX/XXXX, if I had received a XXXX? Why would XXXX not issue a XXXX ... I doubt if they needed too, No payments were made XX/XX/XXXX, so no XXXX was issued. 
If they are reporting my last payment was made in XXXX all I ask is they provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
With Equifax there are XXXX XXXX loans being reported incorrectly on my credit file XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX LOAN XXXX - Original Loan Amount : {$4000.00} LOAN XXXX - Original Loan Amount : {$3500.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Equifax Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance

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

Complaint narrative:
Wrong name no XXXX XXXX XXXX and wrong address XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Had my computer stolen end of last year or beginning of this year. It had all my info on it all my pass words saved on it and all my dates would fill in any application. with all my correct info hope you can help. Someone tried to get credit card about XXXX or so really dont know exact amount of inquires they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my XXXX account to monitor my Credit and noticed a Hard Inquiry reported to Equifax on XXXX XXXX 2016 from a lender called XXXX under XXXX XXXX XXXX XXXX. I have not applied for any cards or authorised any Hard Inquiries since XXXX 2016. Please help me get this removed.

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

Complaint narrative:
Both XXXX and Equifax report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am currently almost done with my chapter XXXX bankruptcy. All my accounts are reporting closed with XXXX and XXXX. But on my equifax report it is still reporting an account as open even though it shows as closed through the other credit reporting agencies. The account in question that should be reporting closed is XXXX/XXXX ( account number XXXX ) for the amount of {$4500.00}. I will attach a current credit report for XXXX and Equifax showing proof of closed account. 
Also attached is my last credit report showing equifax reporting that account is not closed. And a screenshot from XXXX XXXX website showing account is still open. I am unable to file a claim through XXXX website because the question I answer each time to verify my identity keeps failing for some unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. Equifax is well past 30 days past due on a Judgement in the amount of {$620.00} that was awarded to me and is attached. 

2. RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX Account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Requested an investigation regarding the incompleteness and accuracy of XXXX. Equifax has continuesly reported infomation that is incomplete and inaccurate. The account was opened in XX/XX/XXXX, The credit report shows missing payments from ; XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX This is a clear violation under FCRA sec 623, all information must be complete accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I tried REPEATEDLY to get my free annual report from Equifax. When the questions came up it would say that they were wrong and that I had to send in a copy of my license to get my report. FINALLY after another month my report finally came HOWEVER I recently had and identity theft incident of someone using my information to apply for a credit card. It HAS BEEN reported to the company and the police but it takes months to fix this AND it would be more easily traceable if a copy of my license was n't out there when they should have allowed the questions to approve my identity. After searching online I see that it is common issue with getting the free annual credit report for EQUIFAX and I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not 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 This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
The husband had a mortgage with Seterus, and was in a trial modification when he passed away. His surviving spouse who is on the deed, but not the note applied for an assumption modification. She has submitted all necessary documents when Seterus advised that she needed Probate documents showing she was the rightful heir and in charge of the estate. There are no assets to the husband 's estate except the home - which the wife already owns. We have tried to advise Seterus of this, but they say they will not move forward with the assumption modification until Probate documents are received. Probate is an expensive process, and completely unnecessary in this instance.

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

Complaint narrative:
Back on XXXX XXXX I filed a complaint about seeing hard inquires on my credit report after I ordered my credit report. I called and mailed Equifax that those Hard Inquires on my credit report that I had no business with those companies. I requested that they remove them. I have been getting the run around with Equifax. I want all those hard inquires removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX CCB/PPC

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:
Contacted equifax to remove XXXX reported twice on report and inaccurate amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, A subscriber to Equifax, XXXX or XXXX Loan Servicing, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX ( XXXX XXXX XXXX v. XXXX, et al.XXXX, XXXX New Hampshire XXXX, No. XXXX, and XXXX v. XXXX ). 

I ask Equifax that the inaccurate information be removed as their subscriber has failed to respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hard credit inquiry issued against me and my wife without authorization. Equifax ( unlike XXXX ), has refused to remove hard credit inquiry thus negatively impacting both of our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX/XXXX made a hard inquiry which appears on my credit. The only thing I ever signed up for was the regular XXXX, never a XXXX XXXX. This lowered my credit score twice and XXXX will not change their procedure and the reporting companies will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite my repeated requests that they do so, EQUIFAX refuses to delete an outdated, factually inaccurate account with XXXX from my file. The vehicle in question was NOT repossessed from ME, nor were ANY payments made late by ME but in fact belonged to my former spouse who received over {$1000.00} when the vehicle was sold as it was her account and NOT mine! I simply want ALL information pertaining to it deleted from my EQUIFAX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I claimed bankruptcy last year and bills are from the year before. They should have been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The XXXX XXXX University XXXX XXXX. This debt has been completely paid not charged off. This was a school debt, I made payments and pay this debt off.

Company response to consumer: Closed with explanation