vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As the result of receiving XXXX XXXX ' XXXX/XXXX/16 Late Payment Reporting Notice ( attached ), I visited XXXX on XXXX/XXXX/16 in order to request or review my credit report for responding to same. 

Since Equifax Credit Services now offers the ability to review and dispute negative account entries online, I initiated an Online Dispute of the XXXX/XXXX/16 XXXX Past Due Payment entry. In addition to indicating the account was in Dispute and providing the CFPB Case # ( XXXX ) covering same, I also uploaded copies of my communication w/ XXXX containing details of the XXXX actions that resulted in the dispute. The uploaded documents were the same documents submitted to the CFPB in support of the above case #. 

As opposed to flagging the XXXX Past Due Payment entry as Disputed and adding the documents uploaded in support of same, Equifax 's alleged 4 day investigation instead resulted in corroborating w/ XXXX to remove my Clear Card payment history in an attempt to bias and/or distort the circumstances surrounding the XXXX/XXXX/16 late payment entry. A copy of resulting Equifax investigation response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted a dispute with all the XXXX bureau 's Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked XXXX hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am screwed no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THERE IS ANY INQUIRE ON MY CREDIT REPORT THAT THE COMPANY TOLD ME THEY WOULD REMOVED BUT THEY STILL HAVE NOT DID SO AFTER 90 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed the information XXXX times with Equifax. They refuse to XXXX and XXXX XXXX XXXX off my credit report. These accounts werecharged by IDENTITY THEFT. I have provided my ID theft paperwork with XXXX credit reporting agencies. XXXXXXXX and XXXX have removed the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have not removed the illegal inquiries and the illegal account on my credit report. 
The illegal credit inquiries are XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17 XXXX XXXX/XXXX/17, XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17. Additionally, the following credit account was applied for and used without my knowledge or permission. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX

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

Complaint narrative:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax I found another dispute that you failed to investigate with in the time 30 day time frame that you have to investigate I kindly ask you to please this dispute from my credit file This one is going to be confirmation XXXX open on XX/XX/XXXX 17 and it should have been completed XXXX 17 could you please have this item delete from my credit file as you failed to complete your investigation see attached document line 14 from the Bottom down. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has already had 60 days, lied on their results according to XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX since those XXXX banks claim that they never reported anything to Equifax due to ongoing investigations yet I have a copy of the letter that I sent to my lawyer who seems interested in why this has happened. All communications to me will cese as my lawyer is now incharge of communications now and for pending legal issues, I am unable to contact further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is incorrect info down on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have my credit report and there is a fraud on my report. It states that I had XXXX at XXXX XXXX XXXX XXXX pa XXXX and ran the bill up to XXXX dollar 's. I have been living at XXXX XXXX XXXX for 10 years and never moved!!! I used to work for XXXX for 3 yearsyears from XXXX to XXXX at the same address that I live now!! So I believe that had to be an inside job using my information at a different address. Please look in to this matter and get back to me.

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

Complaint narrative:
I disputed inaccurate information to equifax in regards to my payment history with an auto lease ( XXXX ) acct # XXXX. I have never paid this account late. I just received a response that the disputed is finished and the results are ready to view. This information is still wrong. It is showing as paid as agreed with no past due but have negative remarks reporting on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a status code of XXXX on each month. This is wrong as the status codes should be removed. I 've disputed it with the other XXXX credit reporting agency 's and so far XXXX credit reporting agency has corrected it and removed the status codes. I am submitting this complaint to the cfpb because I ca n't get through to equifax and keep receiving the same response. This information is incorrect and I am complaining about it because it is affecting my credit score in a negative way. These XXXX negative code remarks should be removed. I was never late in paying this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: MN

Complaint narrative:
I sold my townhouse at XXXX WI. It was suppose to close on XXXX XXXX, 2015. The closing Company requested a payoff on Tuesday XXXX/XXXX/2015. I requested the payoff on XXXX/XXXX/2015. I have called and the closing company ( XXXX XXXX, XXXX WI. ) has faxed and requested the payoff daily. I was promised it daily especially last Friday XXXX/XXXX/2015. I have still not received it. I can not pay off anything and they are charging me interest daily besides causing lots of problems. My husband an attorney called and they said they could not give him the payoff with the account number and my social security number. They refused to talk to him. 
The company is Seterus Mortgage. Loan # XXXX tele # XXXXXXXXThank you, XXXX XXXX ( XXXX ) XXXXXXXXOr you can contact XXXX XXXX WI. ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax makes it extremely difficult to retrieve your credit report online or to complete the process online when it is due to you for free. However, they allow your to have access to credit report online if you are willing to pay a fee of {$15.00}. They have been oprating this way for at least the last 4 years and this is the first time I have made an attempt to report this behavior. The last I needed to access my credit report immediately was 4 years ago and I could not retrieve it for free through ( XXXX ) without mailing in a verification document. When I elected to pay, no verification was ever requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2015 I made a payment for my home loan to XXXX Mortgage in the amount of {$1300.00} for the months of XXXX 2015 bringing my home loan current. On XXXX XXXX ,2015 my loan was sold to Seterus. I made XXXX payment to Seretus in the amount of {$700.00}, which was received, and cashed. I received foreclosure letters from Seretus, resulting in me making a phone call into customer service on XXXX XXXX XXXX. The customer service rep stated he could see that I made my payment to XXXX bringing my home loan current, BUT they applied my payment incorrectly to the principal. Which then leaves an additional {$240.00} that I have to pay to Seretus. He stated even though they know its incorrect they can not change it on their end due to the fact it 's how the loan was sold to them? I stated so I have to pay an additional {$240.00} that I do not owe, and their answer was yes. I have receipts for the payments made to XXXX, and Seretus. How can they legally do this? I am a single parent, and it will be hard for me to come up with an additional {$240.00}. Seretus stated if I do not pay this amount to them, then they will move forward with foreclosure proceedings? The payment I made for XXXX of {$700.00} is being held in a suspense account ( {$500.00} ) until the additional is received. So this is showing XXXX payment has not been received. The Seretus rep was very rude, stating he do n't see why I can not just pay the amount if I want to stay in my home. I also asked if I could pay an additional {$50.00} a month on top of my monthly payment of {$690.00}, and was told no I dont qualify for a repayment plan ( even though I do n't owe them in money )!! This has been a horrible experience with them from the start! If they are capable of doing this, then I am scared to see what else they may get away with. I have been in my home for 16 years, and have plans to stay!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including Equifax ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed Equifax had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Equifax has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I had my purse stolen in 2007. I have been trying to get a woman 's name off my credit report with Equifax for many years. She has mortgages and car payments etc. that report as mine. I can not even access my credit report with Equifax because I can not answer the questions correctly to gain access. My name is now XXXX XXXX XXXX. At the time my name was XXXX XXXX XXXX. A woman with the name XXXX XXXX XXXX or something like that shows up as an alias for me. I have lived in XXXX different addresses over the past 15 years. XXXX XXXX XXXX XXXX Maine XXXX, XXXX XXXX XXXX XXXX Maine, XXXX and also XXXX XXXX XXXX XXXX Maine XXXX. I need help getting this taken care of and I do n't know where to turn next. Thank you for you help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX disputed Items in my equifax credit report, by certified mail # XXXX XXXX 2016, company -XXXX, account # XXXX XXXX, account # XXXX XXXX and XXXX XXXX documemts sent for proof of paid accounts XXXX XXXX 2016 sent credit report # XXXX.corrected the items.and put the Items back on the by XXXX XXXX 2016.with proof of paid accounts.please investigate this matter.if there is anything i need to do just ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter to Equifax about errors being reported on my credit report there is a public record that is n't mine reporting on my credit. I recently received a letter back from Equifax stating that they had verified it. I contacted the XXXX Courthouse where the public record was filed and they sent me a letter back stating that they did n't verify any information to anyone of the XXXX credit bureaus. Equifax LIED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all XXXX credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am no longer responsible for any collecting account and I have completed all terms of my bankruptcy. I should have no negative factors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only one reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting 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.

Company response to consumer: Closed with explanation