vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have set up an account with www.XXXX.com to monitor all XXXX of my credit reports. To my surprise, I have noticed several dozen inquiries that do not belong to me. Please remove these inquiries that were unauthorized. XXXX total inquiries reporting on XXXX. I have included a word document will all inquiry names, address and dates of inquiries for your to investigate and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have repeatedly notified Equifax that they have a duplicate account ( XXXX XXXX Credit Card ) listed on my credit report. The account numbers, date opened and balance are all the same. I have disputed this incorrect information more times than I can count. I have also disputed several other items that were incorrect but Equifax does not take the necessary steps to remove these items. This companies negligience is going to cost me my career. They are never held accountable for their mistakes and the consumer is the one that suffers. Is Equifax going to feed, clothe and provide my XXXX month old son 's need when their horrible reporting system is inaccurate and out of date and eventually costs me my security clearance and job? No. Of all things I have disputed I have never received anything regarding how they " verified '' these negative entries as I requested. This is because they do n't verufy anything. This is merely a ploy to make XXXX of dollars off consumers by peddling there so called " products ''. No one holds these people accountable and they dont care that the inaccuricies negatively impact many peoples lives. They also report inaccurate low credit scores using the incorrect and fraudelent activity that they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the following bankruptcy. I received the dispute results from equifax this morning. And according to federal law NO federal bankruptcy court reports to and credit bureau. So with their findings this information is false, due to the fact equifax can not verify with any bankruptcy court espically as listed on attached findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX school at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS Fresh Start Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all XXXX of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent in at least on XXXX occasions to have XXXX charge-off 's to be removed and blocked from my credit report due to Identity Theft. I have submitted a police report that stated these items are fraudulent and for them to be blocked and I have also submitted an FTC affidavit. The XXXX charge off that need to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I submit to Equifax the XXXX Identity theft letter and back up they submit the dispute as a regular dispute instead of blocking the ID theft items and removing them from my credit report. They refuse to tell me how they investigate the information. I just want these resolved as the other XXXX credit reporting agencies have already removed these items as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I originally submitted dispute XXXX in reference to taking more than 30 days to respond to a dispute that I sent to Equifax. In my original dispute I submitted documentation to support my claim showing that Equifax did indeed exceed the 30 day window. Per my rights as a consumer, I must receive some type of response within 30 days. I did not receive a free credit report so therefore they should have been able to return the report within 30 days. They did not mail to a physical address, they submitted it to my email which should have been quite simple and quick. If they were finished on time, it should have been submitted back to my email with no problems. I am disputing the reason that they need 60 days to determine that they did not complete within 30 days and am possibly looking at pursuing legal action against Equifax because of their unprofessional conduct.

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

Complaint narrative:
I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult son there in XXXX or XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Equfax and XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency Equifax & XXXX I contacted the creditor XXXX XXXX XXXX to get help to resolve this mistake. XXXX XXXX XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at Equifax and XXXX & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XX/XX/XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX Servicing-Office of the President XXXX. Here is what XXXX was told by Equifax " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to Equifax by phone and fax and to XXXX by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both Equifax & XXXX despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX XXXX XXXX and provide contact information for XXXX XXXX at XXXX XXXX XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This case was never closed and it is currently showing the status in progress. This has been going on since XXXX. Do you think this is just a little past the XXXX time-frame? I demand that the items posted in the XXXX be deleted from my credit report forthwith. Equifax is in direct violation of the FCRA guidelines and conditions. The CFPB is supposed to be on our side and protect the consumer. I do not see any protection or enforcement here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says debt recovery solutions needs to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting an account that does not belong to me on my credit file. XXXX XXXX XXXX XXXX # XXXX I disputed with them and they are stating that the company validated this debt. This is incorrect the debt does not belong to me. I have disputed this debt with XXXX and they XXXX deleted the debt because the COMPANY NEVER VERIFIED I. Equifax refuses to remove this debt. I 'm asking Equifax to either provide me and the CFPB with the proof that XXXX is validating this debt reporting or DELETE IT FROM MY FILE. this incorrect reporting is damaging to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
XXXX sold my loan to Seterus effective XXXX XXXX, 2016. I was in the middle of the loan modification process at the time. Seterus has completely disregarded my account along with the modification. I have since received letters from them stating I do not qualify for the modification since my change in situation does n't seem permanent. I wonder how they know that when they have not even looked at the modification packet nor have they ever contacted me. I thought XXXX has hard to work with but Seterus seems even more incompetent. I want the loan modification packet to be considered and if that is not an option, I want to pay for a mediator to review the file, starting with the original lender XXXX, so as to bring forward the truth in lending scam that I was part of along with their mistake of processing the XXXX. I have a letter from the lender stating they misplaced records and failed to modify. However, the Courts let XXXX out of the boiling water when they allowed the bankruptcy to proceed with bailout funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OK

Complaint narrative:
We have our mortgage loan with Seterus. In XXXX 2016 we requested to have our escrow account closed. They closed our escrow and sent us our escrow surplus but did not adjust our payment amount to reflect principal and interest only. When we paid our XXXX 2016 and XXXX 2016 payments, it was not enough to satisfy the PITI amount, and put it in a suspense account, resulting in us getting charged a late fee of {$20.00} for both months. We called Seterus and asked them to adjust our payment amount and to credit back the {$41.00} in late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
i just ran a credit report on myself, and could not print an online copy due to what seems like identity fraud. I have seen on my report from equifax that someone has opened a mortgage loan as well as a a car loan and credit card under my information, when I have n't done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been informed, that there is a public record reported by ( United States Bankruptcy Court, XXXX XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an Equifax representative, was your claim to verify information at the United States Bankruptcy Court XXXX XXXX Of California. I have contacted the United States Bankruptcy Court XXXX XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Equifax, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried numerous times to get fraudulent inquiries deleted off of all of my credit reports and I have spoke with the credit bureaus, disputed the information, and have received the same " Inquiries are a factual record of file access. '' within 2 days of filing the dispute and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The company originally had my account listed right but since has changed it to being wrong again. : / I just wish they could get the reporting of accounts right

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.

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

Complaint narrative:
I applied for no credit in XXXX Fl. I have n't been in XXXX and surely did not shop at XXXX in XXXX.

Company response to consumer: Closed with explanation