vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has been contacted several times in the past and recently regarding the re-aging of a few accounts on my credit file. I contacted Equifax over the phone on XXXX/XXXX/2017 to indicate that items in my files were not validated and verified legally. The representative, " XXXX '', was informed that re-aging ( an illegal practice ) is still occurring on my credit file. I explained to XXXX that there were XXXX accounts where the date of first delinquency ( DOFD ) were not identical. 

XXXX stated that once a company sells a debt to a collection agency, the collection agency has their own dates. I explained to XXXX that this information was invalid, and that the DOFD are legally supposed to be identical, not different dates. Furthermore, I explained to her that Equifax is a resource that bridges the relationship between companies and consumers. They are required by law to ensure that the information the report on me is accurate. 

XXXX only submitted a dispute on this issue and refused to review the information and delete it due to inaccuracy. After SEVERAL investigations for these accounts, it is apparent that Equifax neglected to validate and verify these accounts as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There are XXXX XXXX XXXX XXXX hard inquiries that appear on my Equifax credit report XXXX and XXXX XXXX XXXX XXXX hard inquiry on my TransUnion credit report ( XXXX ). 
I have no knowledge of these inquiries. These inquiries were not authorized by me. My middle initial is " XXXX '' and I think my information my be confused with someone who has the middle initial of " XXXX '' Please advise.

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

Complaint narrative:
I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had millions of dollars stollen from my identity. XXXX houses in the U.S.A. and all with close spelled names. I think even a car loan too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has an on-line dispute program, but the system does not allow a dispute to be entered. After numerous attempts over a period of days I have not been able to access my record to dispute inaccuracies that exist and that have a derogatory effect on my credit score. The preliminary section asks for name, ssn, address & e-mail, and after entering this standard information, I am redirected to a page that informs me that Equifaxs ' records do n't match the information I entered. Seriously, my name, address, SSn and e-mail? Please. Equifax has never adequately removed information and I have filed other disputes regarding their failure to respond to my credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Personal formation stolen from Department of Veterans Affairs. 
Many attempts to gain credit cards by hacker caused hard hits on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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 had disputed the reporting of a paid NY state tax lien with Equifax. I sent a certified letter with proof of payment from the State of New York. Citing a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I asked for this to be removed from my credit report and to show proof of investigation within 30 days. 

I had received no response from Equifax for now 60 days. I have repeatedly reached out in hopes to resolve the issue with no response back from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all XXXX of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( XXXX, Equifax and, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did call for cancel this account on XX/XX/2016.and give them new address for the last bill.but they never send me the last bill I thought I do n't them money.finally they put me on charge off condition without warning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My address on my credit report has several variations which occur when people enter the information incorretly, I have an address reported on my credit that I have never resided and never lived, and I have a name on my credit that isnt me as I have never been married and I only have XXXX legal name and have never used an additional name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN TRYING TO CORRECT PAYMENT HISTORY REPORTING TO CREDIT BUREAUS SINCE XXXX HAVE CONTACTED THE CREDITOR SEVERAL TIMES, EACH TIME I AM TOLD THE PROBLEM IS BEING FIXED.WHEN I ASK TO SPEAK TO SOME ONE IN CORP. OFFICE I AM DENIED, THIS COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX ACCOUNT IS NOT BEING REPORTED AT ALL ON MY CREDIT REPORT THEREFORE CAUSING MY SCORE TO DROP.I HAVE HAD THIS ACCOUNT SINCE XXXX AND STILL PAYING EACH MONTH ON TIME.TO ME THIS IS AN INJUSTICE AND SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!

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

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX To Whom it May Concern : XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I filled for a chapter XXXX bankruptcy in the court of Maryland per my attorney but after further review I did n't need to file a bankruptcy. So the next day I withdraw the file and NEVER went in front of a judge. I have letter from my attorney and a letter from the bankruptcy court showing it was terminated on XXXX/XXXX/XXXX. I sent both letters to XXXX and they refuse to remove the error. The BK should have never been reported at all because it never happened. I also sent another fax on XXXX XXXX XXXX and they have n't responded in anyway. Please help because I am completely lost for words at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
There are XXXX address that I never had lived in! Had not lived XXXX XXXX XXXX, nor XXXX, Florida. I am concerned about this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX years old. I have been using banks all my life. I had trouble paying my bills sinceA divorce and XXXX. 
I could not get credit until recently. All my debts have been paid through payroll deductions. 
I have bought a home and I do have some credit. 
It seems that both Equifax and XXXX do not have this on record. 
They say that I have a credit history of 6mo. And 3yrs. 
I have been paying both NEw York Dept ofSocial services for 20 years and have payed them much more then theReq {$210.00} per moI also paid IRS the full amount after they realized I was on XXXX. 
I have paid all debts and I think I should not have a 1-2 year history and a remarkThat I do n't pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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 informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX XXXX XXXX XXXX/XXXX/XXXX ; EQUIFAX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX collection agency is reporting on my Equifax credit report. They have no legal right to report any derogatory information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The status of my XXXX XXXX XXXX account was erroneously changed. This account is PAID IN FULL. Equifax was reporting this correctly and it suddenly changed to " late '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 
3 ) XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went into a dealership and asked that they only submit my deal with XXXX. I got home and noticed they had submitted ti a lot of banks I did not authorize. I have contacted the dealership and they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
OUR MORTGAGE WAS PURCHASED OVER A YEAR AGO FROM XXXX. WE HAVE HAD NOTHING BUT PROBLEMS EVER SINCE. WE SEND LETTERS TO THE NEW SERVICING AGENT, GET CONLICTING ANWERS TO EVERY QUERY AND IT GOES ON AND ON. FIRST THEY CLAIM WE HAD NO HOMEOWNER 'S INSURANCE - SENT THEM PROOF AGAIN AND AGAIN. THEN THEY CLAIM THEY HAD TO PAY OUR TAXES AND NOW ARE TRYING TO CHARGE US MORE AND MORE EACH MONTH AS A MONTHLY MORTGAGE EXPENSE. IN ADDITION TO THIS FRAUDULENT INCREASE THEY ADD FINES AND FINES EVERY MONTH STATING WE ARE SHORT EACH MONTH. WE ALWAYS HAD AN ESCROW ACCOUNT WITH XXXX - WHERE DID THAT MONEY GO? I HAVE ASKED FOR PROOF FROM THE CURRENT LOAN SERVICER TO SEE WHAT ACTUALLY TRANSPIRED WITH THIS " ACQUISITION ''. PERHAPS THEIR AQUISITION DEPT. KNOWS NOT WHAT THEY DO? THEY NEVER RESPOND TO OUR QUESTIONS, HAVE CREATED SOME INSANE " NEGATIVE ESCROW SHORTAGE '' AND WE ARE SICK OF TRYING TO DEAL WITH THEM.

Company response to consumer: Closed with explanation