vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries listed on my credit report that I have disputed and they come back verified. Letters to the collection agency have gone unanswered requesting full validation of debt. This company is no longer in business per the XXXX website. In additon, XXXX XXXX XXXX recently entered into a consent agreement with CFPB for violations against consumers. So how exactly did the credit bureau obtain verification of debt from a company that is no longer in business???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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:
The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a public record listed Release tax lien, this does not belong to me. I have disputed and will keep on disputing to remove this mistake. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute regarding the retention of a tax lien on my credit report that has been paid and released. Because Equifax continues to report the lien although it lists the lien as paid/released it continues to be a derogatory notation and negatively impacts my credit score. Both the IRS and the Records Department stated that they Do Not report to the credit agencies and this old debt has nothing to do with Equifax there is no one to discuss the matter with ( IRS ) or ( XXXX XXXX XXXX XXXX I have no recourse and am at the disposal of Equifax and it has No stake in this matter and only serves to be a noose around my neck. 
The other CRAs have deleted this derogatory information and there is no reason that Equifax should not delete the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I was applying for a VA Home Loan when the Equifax reporting agency pulled up information that was not related to accounts I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax And XXXX XXXX Are Reporting Negative Information On My Credit Report That Is Over 10 Years Old And Closed Over 10 Years Ago. I Have Tried To No Avail To Get This Damaging Information Removed By Contacting Equifax And XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax deleted my creditor XXXX XXXX XXXX and XXXX account that was opened in XXXX 1993 and is current and paid as agreed. 

I did not dispute this account for removal or fraud. I want Equifax to reinsert my XXXX XXXX XXXX and XXXX account in good standing, paid as agreed with no negative activity. 

I want Equifax to stop merging my credit report information with other peoples information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I filed a complaint a few months ago. I filed a complaint that my mortgage company did not pay my taxes in the escrow account. They did finally pay this tax, but one year later. They proceeded to charge my escrow account all the fees that were charged with paying the property tax a year late. My mortgage company Should have payed the extra fees because it was their error. I received a letter from them with a phone number that no one answered and I also called them and they would not help me. They simply said they paid the balence of the tax and charged my escrow and did not admit to any fault in paying the tax one year late and the XXXX of dollars that where extra fees from paying this late. Can you look into this again. I would like to get the fee money back and put into my escrow account or refunded to me and I want them to do this right this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each one of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: TX

Complaint narrative:
On XXXX XXXX, 2016, my husband and I were informed by a leasing agent in XXXX XXXX that incorrect information CoreLogic provided to the owners of the complex resulted in the rejection of our rental application. The cost of this application was {$250.00}. 
CoreLogic falsely disseminated information stating that I have XXXX XXXX XXXX XXXX criminal charges/convictions against me, according to the leasing agent and their consumer relations ' employee. This is completely incorrect. Nothing other than a negligent failure to perform due diligence on the veracity of the information being provided to consumers ' current and potential employers, creditors, landlords and others can explain such incorrect information. 

I encourage -- nay, urge -- you to begin immediate investigation of this company to ensure it is n't ruining others ' lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All collections accounts were DELETED from my credit file on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the deleted accounts were RE-ADDED to my credit report. I called Equifax to have them deleted again. Now, on XXXX/XXXX/XXXX, the same collection has been added under a different collector 's name. I called the collector and confirmed that the amount is the same. They claimed they changed the company name. These collections items are deleted and re-added to my report about every 20 days. Also I have requested that the XXXX Bank account closed in XXXX be removed as it has not ever belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This company XXXX shows I have an open account balance from XXXX XXXX 2015. I have not opened or have had an account in the past 7 years with XXXX and never had any balances due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with you all back on XXXX/XXXX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the XXXX round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collection of {$2000.00} showing on my credit report. This collection belong to a person with a different name ( although similar ) on it and has no SSN ( I have a SSN ). What I 've learned is that person is even of an opposite sex. I disputed twice for it on Equifax , waiting for almost 2 months but never get it resolved. It should be a simple issue but I was so disappointed about the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reported this account with creditor and credit reporting agencies but this account is still showing " Late 30 Day '' XXXX 2014. I have contacted XXXX because I made large payment XXXX and XXXX payment in XXXX which were suppose to cover XXXX. I was even told by representative that they will not report negative information for that month because clearly she could see that I made XXXX payments on XXXX different dates and how I would have thought It was being applied for XXXX also. I have been promised by this company that they will investigate and pull recordings and no return calls. instead I had to call to find out they have record of me calling, but someone all these calls are not recorded. I was treated by most at XXXX XXXX Bank so horrible that I closed my secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IA

Complaint narrative:
My payments was made early last month. Seterus is adding a {$90.00} fee without any explanation. No response when I call them

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

Complaint narrative:
I am writing to dispute the account XXXX Account Number XXXX & XXXX and XXXX XXXX XXXX Account number XXXX & XXXX that is currently being referenced on my Equifax credit report. I have disputed this account information as inaccurate with Equifax, and Equifax has come back to me and stated that you were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX and XXXX myself several times and have been unable to get them to verify that this alleged debt is indeed mine. 
I have previously enclose copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter via certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these alleged collection company currently being listed on my Equifax credit report. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is now obligated by law to remove the disputed items. This is a clear case of unverified debt here, and I urge Equifax to remove these items before I am forced to take legal action. 
Equifax is also continuing to report inaccurate addressing information on my Equifax credit report I have never resided at the address currently being listed as Previous Address which is as follows:XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX1REPORTED : XX/XX/2015PLEASE VERIFY THIS INACCURATE ADDRESS INFORMATION AND REMOVE IT AS SOON AS POSSIBLE. 
MY ADDRESS INFORMATION SHOULD ONLY BE REFLECTING AS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have failed to remove the negativeinquiry in my credit report. This debt was fully paid and close. Equifax notresponding my mails or allowing me to view my credit report. As perEquifax, I was asked to forward copy of my drivers lic in order for me to filea dispute but never received and response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account not mines but it keep coming on my credit report and they wont delete it from my stuff.Its bringing my score down badily please update it

Company response to consumer: Closed with explanation