vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint on behalf of the aggravation I have been going through with the XXXX credit reporting agencies. I had XXXX accounts opened up fraudulantly in my name. XXXX and XXXX. I finally received confirmation today with XXXX that it was founded that the XXXX XXXX acct and XXXX were fraudulant and removed from my report. However I just spent over an hour on the phone with equifax explaining to them that these accounts are fraudulant and I want to re-dispute them again for the 8th time. All I got was the run around and told that they are waiting to hear back from the company. I have disputed this for over 3 months now and if XXXX responded to XXXX it was indeed fraudulant and to be removed from my report then XXXX and equifax should have received the same notification. I got nowhere on the phone today this is very fustrating as it affecting me in obtaining credit and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I filed a dispute with Equifax on XX/XX/2017 and they never completed it.

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

Complaint narrative:
I have XXXX accounts opened between XX/XX/XXXX- XX/XX/XXXX for the US Department of Education XXXX I have disputed the reporting due to the account was consolidated in XX/XX/XXXX. The account is showing a collection status for XX/XX/XXXX and XX/XX/XXXX. This incorrect reporting has damaged my report. I spoke with the Dept of Education and they have denied the reporting of a collection in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
# 1 XXXX XXXX finance I have paid this for almost 5 years they refuse to show my payments says balance? and paying as agreed. 
# 2 XXXX bank this account is a XXXX balance it should reflect that # 3 XXXX bank this account is a XXXX balance it should reflect thatNj Federal court says under investigation and has for over a year correct me if I 'm wrong but if they can not verify an account under the fair credit reporting act do n't they have to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
An inquiry was made to my credit bureau in error from XXXX XXXX XXXX services. XXXX states they notified Equifax of this error and asked Equifax to remove. Equifax has not removed the inquiry. I disputed and was advised to contact XXXX. I have a letter from XXXX but Equifax will not accept the letter nor remove the inquiry. A consumer can attach paperwork to disputes for anything other than inquires or demographic information. There is also an address in XXXX SC on my credit report. I have not lived at this address, as its my mother in laws address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax fails to remove the XXXX XXXX XXXX XXXX. account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting XXXX collection agency 's have open collection these where paid in full and I claimed bankruptcy afterward they where paid. The other XXXX credit bureau 's have removed them a long time ago, but Equifax refused to report them correctly as paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error.There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX XXXX I mailed Equifax a dispute for XXXX XXXX XXXX. The dispute was received on XXXX XXXX and I still have not received results on the investigation. I have attached the certified mail and return receipt. I have also attached the initial dispute letter with identifying documents.

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 — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I 've disputed the credit inquiries on my report 3 times with Equifax and every time they just come back and say " inquiries are accurate '' without investigating at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting information that is not my account And I am not responsible for. Its reporting XXXX XXXX XXXX system account # XXXX as my account witch is false information and did not properly verfied the account before putting it in my credit report I have the proper documents showing this belong to someone else and not me.

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: LA

Complaint narrative:
As part of the XXXX, this account should not be listed on my credit report, or it should be shown on my credit report as a XXXX balance. XXXX correctly shows this, but Equifax continues to publish the following incorrect information : '' Since your last update on XX/XX/XXXX, XXXX account has been added to your credit report. 
Account Type Date Opened Credit Limit Balance Reported ByXXXX Mortgage XX/XX/XXXX N/A {$190000.00} Equifax '' Also, see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from my HR dept. at work saying that my wages are going to be garnished for {$2800.00}, and I immediately jumped back and panic set in. I never got any communications from any of these companies, or court!! I am upset on how this justice system works in this country and the advantage these huge companies have over their customers. I called Pressler & Pressler, and they could n't help me at all, because the judgement has been made already on me. This is ridiculous to on how they make a judgement without me even knowing of it, but yet they were quick to inform my employer to garnish my wages! I need help and resolve to this, because i do n't remember that account and it was from 2008, And God knows where they were sending the mail! If I need to take legal action I will, because this is against the law, and my rights as a citizen of the United States Of America!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Tried to pull a copy of my credit bureau from Equifax on Annualcreditreport.com and was advised that they were not able to provide this online and that I needed to mail copies of documents identifying myself along with a request for credit bureau. There was no option to scan the documents/request. This company should not be able to participate on Annualcreditreport.com if they are unable/unwilling to provide reports online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING FALSE INFORMATION ACCT XXXX I HAVE NOT EVER LEASED FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from XXXX, yet after requesting them to be removed from equifax and XXXX they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Information wrong in my Report Please check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting that i was charged off or late on the following accounts : XXXX credit adjustment XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX bank XXXX accounts are all charge off. theses account were always paid on time and never late. Please have the credit bureau update theses account as paid in full/paid as agreed remove charge off status

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my annual credit report with Equifax and i noticed that an old closed account in XXXX from XXXX XXXX bank still showing in my report. I 've contacted Equifax twice to get this account removed from my report since it has been well past 7 years. Others credit agencies like XXXX and XXXX have remvoed this account, but Equifax is refusing to do so. The keep claiming that " its reported correctly '' or " that it belongs to me '', i 'm not saying it did n't belong to me nor that its incorrect, what i 'm stating that it should be off my credit report at this point. I 've called them to ask if i was filling out the dispute correctly and made the additional comments and a XXXX of their representative said that i was. Their website does n't give you an option that says " remove account '' then state why ; their options are very vague and i do n't think it fits this purpose of taking off closed over 7 years accounts. Moreover, Equifax is claiming that the old credit grantor " XXXX XXXX bank XXXX '' has reported to them this information. However, when i called XXXX XXXX bank directly to XXXX numbers provided on my dispute, No one on XXXX XXXX was able to find out anything about this account - as if almost disappear from their records. I have to write to XXXX XXXX to get an investigation going because it 's such an old account opened in XXXX and closed in XXXX ; that makes me wonder where is Equifax getting their information from???? It seems very suspect to me, that my account is being reported to Equifax but when i call the credit grantor they ca n't find anything on MY account! 

Please help me investigate this issue and I 'll contact XXXX XXXX in writing as well. FYI all these phone calls are recorded and i can even tell you when i 've called XXXX XXXX and Equifax. 

Let me know what else would you need from me. Thank you so much!

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 — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dispute to have lien removed as it was paid in full. Dispute re investigation advised that this lien was verified. Reached out to XXXX County where my lien was filed and they advised they had not record of my lien as it is possible it was withdrawn. The agent advised me i could access their website and do a search for my name to see if I had any past liens whether paid or not paid. Was able to access the website and find that I am not in their system nor is any information public record on state taxes from 2008 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an account with Capital One and we receive a bill in the mail every month. There were a couple of months where we did n't receive a bill and made our payment late. Capital One reported our account 30 days past due on several occasions. I have sent them a couple of letters pursuant to the Fair Credit Billing Act to verify that my payment posted past the 30 day mark and I have not heard anything back. The only response we received was a letter requesting the account number which was already provided. We have simply asked for these 30 day late payment remarks to be removed so that we can move forward on purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: SCV Inc.
State: TX

Complaint narrative:
I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Our mortgage was transferred to XXXX then XXXX, and now Seterus inc after experiencing a financial hardshipp a few years ago ; since then our lives have been full of surprises, every time we turn around we finding out different problems. Our most recent was in XXXX XXXX XXXX I schedule a payment thru their web portal however we noticed that the funds had not been withdrawn from our bank account my husband, and my self have been in touch with the bank, XXXX XXXX, and of course this so call company. It is now XXXX XXXX and our issue has not been resolved. We are hopping that this is not an other trick to cause a late payment this way we are not going to be able to apply to remove the PMI that we have been paying since we bought our house back in XXXX. Due to the financial crisis the value of our home is low. And this is just the most recent problem back in XXXX I filled for bankruptcy however the mortgage was not included up to now I am still trying to make understand that this was not included in the bankruptcy. They keep asking me for a reaffirm letter from my lawyer I have discussed with my lawyer, and I was told that I do not need to reaffirm. During the time that the bankruptcy was in process they had increased our escrow, but we were never notified so every time we were making payments they did not post them and as result we end up having several miss payments because according to them the amount sent was not wright. In the mean time they never made a call to let us know. They also send someone to inspect the house and of course we were not aware, and there was a charge of {$15.00}, but because we did not know we did not added to our mortgage payment. I also changed my last name and I sent a written request to have this changes made. I do n't think any XXXX had the courtesy to look at my request. I have been reading many complaints about this company, and I can assure you that everyone is describing the horror they are living with this so call company. Please someone MUST have some compassion, and should try to help investigate the issues that many of us are going thru. I hope my complaint is not just XXXX more for the collection of this living hell situation, I also forgot to mention that when I requested to speak to a supervisor I was never transferred to no body. Please who ever is in charge to make sure that customers are treated with dignity, and respect needs to reenforce, and advocate for all of us and definitely take this crooks from continuing ruining peoples lives. We have already enough stress in our lives to worry about what is being done to our finances. I must also say that banks are so cruel to give your loan to people that do not know what their doing. Life is very strange on day your up the next day you maybe down. And when things like this happen is very frustrated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a " XXXX '' for {$1600.00} plus on my XXXX credit reports which is from an illegal eviction ... in that I am a XXXX senior just shy of XXXX years of age and in a protected class. I am in the protracted process of suing the landlord, owner and property management company for an illegal eviction and elder abuse ( among other things ). There is no doubt I shall prevail ( according to my attorney ) and those defendants may be liable for XXXX for the nasty and unforgivable eviction. This explanation should appear with the " credit & collections ''. Thank You ... XXXX XXXX

Company response to consumer: Closed with explanation