vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I do not owe any debt from Creditor " XXXX '' and never get any call for " XXXX XXXX XXXX '' Collection Agency but I see collection added to my Equifax Credit Report. I tried to contact collection agency but did not find proper information for contact. It seems to be fraud alerts. I did not find any way to dispute with Equifax for this fraud alert. Please escalate it to Equifax or some one as it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validility of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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

Complaint narrative:
Theres XXXX accounts 1 ) XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7100.00} Past Due : {$2000.00} 2 ) US DEPARTMENT OF EDU Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : That I hhave been disputing since XXXX. I have submitted the disputes to Equifax directly along with a copy of my police report clearly showing these items on my report. I will fax it to you directly as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX previously filed a complaint with the Consumer Financial Protection Bureau and Equifax requested that I mail so identity documents for their review. I will not mail documents through the USPS and allow Equifax to claim no receipt of the requested documents. I am attaching to this complaint all documents they have requested - including a copy of my social security card, current and valid state driver 's license and my home insurance policy showing my name and address of the home insured which matches my home address. I request this process be handled through this government protection agency as Equifax has proven not to respect my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i keep getting letters saying i have folcosure I went to apply for credit with XXXX. I was denied because my Equifax credit report is showing that I have a foreclosure and garnishment and that is not mine. I have never had a foreclosure on my home or garnishment of my wages either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
In checking XXXX XXXX, there were XXXX inquiries on my XXXX credit report that I believe should not be there. I have contacted XXXX, via certified letter and approximately XXXX telephone calls. These communications date back to XXXX XXXX, 2016. 
The outcome from Equifax on all means of communication was that those are factual information being reported, they would not removed them, and I need to contact the companies. I asked for a supervisor and they would not transfer me, rather chose to be argumentative and hang up on me. 
With the advise from the Equifax representatives, on XXXX XXXX, 2016, I contacted the XXXX companies ( XXXX XXXX, XXXX and XXXX ) via certified letter. The outcome from all three of the companies is that they are promotional inquiries and they would not be removed. 
Today XXXX, I again phoned Equifax wherein they once again refused to delete them or transfer me to a supervisor. Although, this time the representative advised that the pulls were actually hard pulls rather than promotional and they have effected my credit rating. 
I am seeking your assistance in having them taken off my report. Should you need copies of my documentation, I will certainly provide the same.

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

Complaint narrative:
When I called Equifax to Report that XXXX XXXX has A Consent Order against it Civil Action No. XXXX signed by the FTC-CFBP. When I referred their Supervisor to page XXXX paragraph XXXX FCRA violations Equifax hung up on me. this also referred to XXXX whose accounts were purchased by XXXX XXXX. it is not enough that Equifax Supervisors hung up on me but the crowning achievement of ignorance is not to abide by an FTC-CFPB signed order

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

Complaint narrative:
Equifax Information System is reporting inaccurate information on my credit file. The inaccurate information has been furnished to Equifax by XXXX. The inaccurate information is the FIRST DATE OF DELIQUENCY ( XX/XX/2010 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.

Complaint narrative:
Equifax is reporting student loans accounts multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total as bad accounts. Their reporting caused my credit report to dive by XXXX points in 30 days. In truth, the following accounts have been deferred or transferred to a new company & are all in positive standing : XXXX Other account that appears as negative are the followings : XXXX : Has incomplete, incorrect and inaccuracy information. Never has been paid late and the report establish that was pays as agree. 
XXXX ; incomplete, incorrect and inaccuracy information. This was a secured account and is impossible that was paid late. The credit report established that was paid as agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My loan service was transferred to Seretus from XXXX. XXXX had double charged for insurance I already had for over a year and owed me a refund. They sent it to Seterus who put it back into the escrow for impounds. They refused to apply the overage to principal & interest, they are n't paying any interest and refused to refund the surplus unless I pay current. I agreed to pay current if they agreed to finally send the refund I 've been entitled to for 6 months. I paid another {$4500.00} even thought the P & I due was only {$2600.00}. They said they had to run another escrow analysis, the 3rd in 4 months, and even though they acknowledge they still have a surplus of {$1900.00} which I am due, they refuse to mail me the refund because now I 'm due for XXXX/XXXX/15. This is a never ending game. Every month they delay until another payment is due and then say I 'm delinquent. All the while they have been overcharging me for impounds. XX/XX/XXXX is the first month my payments have been billed correctly in more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
4 TIMES I TRY TO DISPUT WITH XXXX XXXX, EQUIFAX AND XXXX WITH NOT RESUTLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In an attempt to retrieve my free credit report from all XXXX of the major credit companies ( XXXX issued a warning ) I was able to obtain my credit reports from XXXX and XXXX without a glitch. However, when I attempted to retrieve my report from Equifax, I was told that they were unable to deliver my free report online without explanation nor a customer support number so that I may inquire myself. After searching their website it is apparent they do not want me to call and only offer this service if I sign up and pay for something. Quite frankly I believe I am owed an explanation for not being able to view my account information and as XXXX of the major credit reporting companies they should have customer service freely available to answer any questions not hide behind a service I need to sign up and pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I filed a paper request for my credit report and have been waiting more than 3 weeks. I have not received a response of any kind. Last year, I attempted to request my credit report the same way, and also did not recieve any reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The addresses reported on the credit report from Equifax are incorrect. These addresses were my sister XXXX XXXX. I have lived in the same house at XXXX XXXX XXXX XXXX Florida for over 26 years. Please remove these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
car dealer cancelled sale car was broke XXXX put it as repossession false info the car was broke and unfixable by XXXX contact info XXXX XXXX XXXX or XXXX XXXX XXXX can contact dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was informed by a financial institution that my credit had a credit alert. I was concerned because I had not place one since 2008. Back then I placed this alert as part of the products that Equifax was servicing my account. However, few years after I requested this feature to be removed. 
As I delved into the details of what was happening, I was told that even though a request was made year ago, there is circumstances that require adding these feature without my consent. Those instances were thirdd party involvement, etc. I became more troubled because this oversteps my rights to be informed of what happens with my credit. 
I requested that the fraud alert be removed. Another issue that has not been addressed in the past and I have gotten tired of the run around is my inability to access credit reports ( adverse actions or yearly credit reports ) online. There is a blockage autocratically imposed on my profile that restricts me from gaining access to my credit report. I have not been successful at doing this process online. 
Lastly, the request for additional information anytime I request a credit report. This information has been verified with the security questions. Also, my credit profile has my personal information submitted few years ago. Why do I have to do this process again? 
The ultimate challenge is when I dispute information ( with a representative ) and I do have to explain myself ( detailed ) because I am questioned about the reasons why I want it to be investigated. I understand that some information has to be explained, however there are limits. The questions asked by XXXX, the representative overstepped those limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Went to the government 's official credit reporting site, XXXX, and the only service that gave me a report was XXXX, Equifax gave me a XXXX ( which is a server error ), and XXXX did n't work but then thanked me for using their service, without providing a service, which means I ca n't look at it until next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Was not happy with response so I investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 i have disputed several fraudulent accounts and Public Records that was listed on my Equifax Credit Report however after Equifax received my supporting documentation i.e. Police Report and Identity theft Affidavit and letter ( s ) sent to the Court, Companies and Creditor Equifax still refused to block the fraudulent accounts being reporting on my report. I have provided a listing of the companies and Public Records i disputed with Equifax below, 1 ) XXXX Bankruptcy XXXX Filed XXXX 2 ) XXXX Bankruptcy Court Filed XXXX 3 ) XXXX XXXX Special Civil Part Filed XXXX 4 ) XXXX XXXX Special Civil Part Filed XXXX XXXX ) XXXX XXXX Special Civil Part Filed XXXX 6 ) XXXX XXXX Special Civil Part Filed XXXX 7 ) XXXX Mortgage 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX 11 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I had my credit rating go way up several years ago so I bought a home for the first time, six years ago. Was late a couple of times on the mortgage about five years ago but not late on anything else since that time, and have paid off several credit cards to zero balance and paid off a {$5000.00} loan all within the past month. My credit was pulled two weeks ago and was close to XXXX, then it was pulled again and was XXXX. I was shocked. Last spring I tried to buy an R/V and the salesman pulled my credit many times -- without my permission -- and it hurt my credit, too. I am seeking to find out why my credit was brought down so low in such a short time. It 's unacceptable, and I will write to my congressman, congresswoman, FTC chairman, whomever, until this situation is fixed. My credit should by all rights be above XXXX right now. I am tired of being pulled down by the credit bureaus when I pay everything on time, and have for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Before moving to XXXX from XXXX, I had paid off my XXXX ( formerly known as XXXX ) bills and closed my account. However, Equifax is reporting that I still owned {$120.00} and it was sent to collections. This is incorrect information and should be removed. I lived at XXXX and move to XXXX. I have attached a copy of the final bill from XXXX that shows my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/15 I ordered the Equifax 3-Bureau Credit Report and Scores at the advice of my potential mortgage broker to see if there was a chance that I would qualify for a loan before the broker pulled my scores. He advised this so that I would not have a hard pull on my scores unless there was a chance. I ordered the product above to get the scores from all three major credit bureaus. My scores were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. Upon advice from my creditor I applied and he pulled my credit to do a per-qualification. When he received my scores, they were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. I was in shock when the Equifax score was almost XXXX points lower than what they quoted me when I paid for the scores. Outraged, I contacted Equifax and they replied that the credit scores they sold me were for education purposes only. ( See attachment ) I did not pay for an education ; I paid for my true credit scores. Now I have a hard hit on my credit under inquiries because Equifax lied and outright misrepresented selling me, AND OTHERS, a credit score that represents NOTHING and is false. Moreover, the credit score that they sent my creditor was damning to my request for a loan and XXXX to XXXX points lower than the other agencies whose scores were only XXXX points different. Equifax should not be allowed to indiscriminately post scores that are so far skewed from other major agencies. It is as if there is absolutely no regulation, accountability, or accounting of the scores they post ; scores that can cripple consumers! I am a veteran. The VA takes care of us, but who regulates the credit bureaus? Obviously no one. If they are going to market these fictitious scores then they should be mandated that they have to BOLDLY warn that these scores are not even close to the real FICO scores that consumers really need to know, NOT some fictitious score misleadingly referred to by them as EDUCATION. Equifax 3-Bureau Credit Report and SCORES is a scam based on fraud when they fully know people need to know their true FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I disputed an account with XXXX which is listed as open and a balance and in collections this account was included and discharged in a chapter XXXX bankruptcy this account should be listed with a XXXX balance and closed because of this bankruptcy. they corrected the XXXX other accounts listed incorrectly but did not fix this XXXX now I request it to be corrected or deleted as any attempt to collect this is in violation of federal bankruptcy law and I will petition the court to seek sanctions if I need to. I have attached the creditor list and discharge paper showing they were listed in the ch XXXX

Company response to consumer: Closed with explanation