vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XXXX/XXXX/2016 I filed a dispute with Equifax credit reporting agency over an item XXXX company inaccurately reporting on my credit report and I asked that the item be removed if the company is not going accurately report it. that was not done in fact the company did not respond at all and in fact Equifax gave them an extra week to respond and instead of following my request Equifax decided to update it on their own and not remove it as requested. the law states that if the creditor does not respond in allotted time which is 30 days and 21 days in Maine the item shall be removed from the credit report. Equifax did not do that, when I called and confronted them about the error they looked over my account and refused to remove the item saying they updated instead. which by law they can not do, they have to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/XXXX the collection company " XXXX '' was removed from my credit report due to a credit dispute that i initiated. Upon looking over my credit report XX/XX/XXXX I have noticed that the collection was placed back on my credit report by Equifax without any notice to me at all of the collection be placed or going to be placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to not correct information on their version of my credit report. I have tried for years to get this corrected. It seems as though their online system is taking your dispute but then nothing ever happens. I have contacted the financial institution to have them update the information about their account with me, and nothing ever changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was asked about my assets, then I was sued, never offered payment plan or any other suitable conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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:
I disputed and sent information to XXXX Equifax XXXX went up and XXXX has went down even more. It 's like a game to these people ... XXXX has a class act lawsuit and I sent them information about this and they still refuse to remove it off my credit report. Also XXXX items in collections has been paid for months ... XXXX actually came off and then right back XXXX..What is the problem with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ladies & Gentlemen, On XXXX/XXXX/15 I learned my credit card had been used fraudulently to obtain a credit report and background check. I immediately cancelled the card and renewed a fraud alert on my credit report. Thanks to the fraud alert, on XXXX/XXXX/15 I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an attempt by someone to open a line of credit with my information. 

Please remove this credit inquiry from my credit report since I did not apply for this line of credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IN

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 disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( 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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has reinserted fraudulent items that were previously taken off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There is an incorrect address listed for me on my credit report. It is the address of my lawyer XXXX XXXX who was my attorney for my XXXX case. The incorrect address that should be removed is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. This is showing on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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 XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are Hard Inquiries on my report that were not authorized. I am in the process of repairing my credit and noticed these inquiries. When I called, I was told that I had to call those companies directly, who in turn tried to point me back to the bureaus which is becoming very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed XXXX Employers listed as XXXX, XXXX XXXX and XXXX XXXX XXXX on EQUIFAX credit report. I have never been employed by these companies. I am requesting that EQUIFAX immediately remove these names from my credit file, listed as my previous Employers on my credit report. I have attached a screenshot of the incorrect information listed on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

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 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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: TN

Complaint narrative:
Saying government documents are invalid for a proper investigation and not actually reading documents. All of this for a false deed of assignment all done on a XXXX vet and family? also how can XXXX bank rewrite the transaction history just to execute a invalid loan modification for XX/XX/XXXX in XX/XX/XXXX? And I what to know what it is that is actually being hid from me and all borrowers?

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 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
I received a letter from our Mortgage lender ( Seterus Inc. ) on XXXX XXXX, 2015. The letter states that " an escrow refund in the amount of {$650.00} has been requested and will be sent to you under separate cover once processed ''. To date, I have not received this refund. I have called XXXX times and each time I am asked to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc.
State: NY

Complaint narrative:
XXXX, XXXX. They call every day. I have pay mortgage. The girl said I every day. I am can, t hear the message. I am my friend call the XXXX - my friend told harass the me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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:
I filed an identity theft report with All XXXX credit reporting agencies. XXXX and XXXX did investigations, got me my documentation and results. Equifax did nothing. They ignored the Police report. They ignored the Identity Theft Affidavit. They ignored a letter from my attorney. Equifax never blocked any of the information as outlined in 
605B. BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [15 U.S.C. 1681c-2], because they never did an investigation. Nothing has changed on my Equifax report except the XXXX deletion that XXXX did because of the XXXX investigation. In 45 days since my attorney sent Equifax a letter and over 90 days since my XXXX letter and over 60 days since my phone call to XXXX, we have received NOTHING!! Just a credit report copy that says the same thing as last month. No investigation documentation stating how the investigation was done, if one was done, what each creditor said or anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been battling for over a year to get Equifax to accurately report my accounts. I have contacted the creditors to verify that they are sending the correct information every month and they all verified that they are. This is only happening on my Equifax credit report, both my XXXX and XXXX credit reports have the updated information every month, Equifax does not nor will not cooperate with me to resolve the issue. Calling into their customer service has only resulted in positive trade lines being deleted and XXXX up my credit report even more. I have called into Equifax numerous times to no avail, I have filed XXXX XXXX complaints to know avail. I though that not maintaining accurate credit information was against the law, I was trying to get this cleared up before buying a house but now I will not be able to move forward with my plan. This has been extremely time consuming and frustrating and I am almost at my wits end. If these things are not remedied, then I will be forced to discuses these issues with my mother, XXXX XXXX XXXX, a shareholder at XXXX XXXX XXXX XXXX 's XXXX XXXX, to see if there is any legal actions I can take to resolve this issue, as Equifax seems unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to get my credit report from Equifax for 2 years. My mortgage company has tried to get it, I have tried and I can not get on it. I have called and faxed over all documentation I was told to. There is a freeze on my report I never authorized. I asked for that to be lifted, all my personal information to be changed and my address I have lived at for the past 5 years to be put on my report. After spending {$10.00} on facing over my information nothing has changed. I still can not retrieve my report, I can not get on Equifax at all. Not a free report and I even tried to pay for it and it still Denys me. There are multiple inquiries on my report now effecting my credit score and I can not get a single person to help me when I call all numbers given or try online. This is a big issue and matter and I have not been helped at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 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:
Equifax provided my credit file to XXXX XXXX XXXX Fraud and Prevention services without my consent or expressed authorization. I did not initiate business with XXXX XXXX XXXX on the date in which my file was submitted. I am requesting a security freeze on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported it to them. Equifax stated that they verified this information with The US Bankruptcy Court, which is a blatant lie, therfore this Bankruptcy on My Equifax Credit Report must be deleted permanently from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sought relief from a State of Ohio tax lien against myself from the Ohio XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio XXXX after conducting a investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a XXXX balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation to provide the credit reporting agencies to remove the public records from my consumer reports. On XXXX/XXXX/15 the Ohio XXXX sent on my behalf a letter to Equifax requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Equifax reported the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute with Equifax to again provide documentation asking for this lien to be voided and expunging from report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be reporting correctly. I am now seeking the help of the CFBP on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I disputed incorrect information on my credit reports with XXXX, XXXX and Equifax in XX/XX/XXXX. The information was incorrect and wrong. XXXX and XXXX did correct the the problem and responded with letters with in 30 days. Equifax after numerous times trying to contact them never responded or corrected the problem. This has made it impossible to obtain a mortgage because it has ruined my credit score. The only remedy I have now is to sue Equifax for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I sent a request for an investigation regarding an erroneously reported account by XXXX Support to Equifax. Equifax in turn sent these letters to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with XXXX Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and my address. This was the wrong thing for them to do and can be damaging to me and my credit. I do n't understand how they could be so careless with such personal information. I as well as other consumers trust them to maintain our privacy. I also sent Equifax proof that this account was paid in full so they could update it and they did not help me with this issue. I have good credit and my accounts are in good standing. I have no history of not paying my debts. This is a gross neglect of my rights and the Fair Credit Reporting Act on Equifax 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted POA ( Power of Attorney ) Documents, ID 's For both my mother and myself, and Theft of Identity complaint for my mother XXXX XXXX to Equifax. 
Attempted to set up credit monitoring with same company and refused based on the POA. Equinox stated on XXXX different occasions they would not honor the POA or allow me to monitor my mother 's credit. Attached are all related documents to date though their refusal grounds have only been given over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a CA State lien that has been released XXXX XXXX, 2013. 
Ref Number XXXX Contact details XXXX County XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation