vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have filed a request with Equifax multiple times with respect to the removal of a Chapter XXXX Bankruptcy from my record. XXXX and XXXX have already removed the item. However, despite my repeated efforts, Equifax continues to issue a investigative response that is irrelevant to the basis of my dispute and request. It is my position that, for whatever reason, Equifax ( i ) is not reading the specifics of my dispute and ( ii ) is improperly servicing my account, and I am suffering irreparable damage as a result. Indeed, they are incorrect for not XXXX but XXXX reasons ( i ) it is my understanding that, while this type of item may legally remain on my credit report for up to 10 years, it is typically removed after XXXX and ( ii ) I DID NOT actually go through with the bankruptcy. The item in question was dismissed by the court on XXXX XXXX, 2007 BECAUSE I did not proceed with the bankruptcy after filing the initial paperwork. As I have explained to, and provided documentation of to, Equifax on multiple occasions, after filing for Chapter XXXX Bankruptcy, I sought the advice of legal counsel who explained that ( i ) I did not need to file and ( ii ) a Chapter XXXX Bankruptcy was not the appropriate mechanism to address my concerns and was unwarranted. I, thereafter, decided NOT to proceed with the bankruptcy, and it was dismissed, meaning that ( i ) my creditors were NEVER notified, NO workout was arranged, NO discharge of any debts was applied and ( ii ) that I continued to service my bills. 

Equifax continues to issue me a response letter with their investigative findings simply stating that they have reviewed the information and confirmed that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
OVER A YEAR AGO SOMEONE STOLE MY IDENTITY OPENED UP A CREDIT CARD ACCOUNT WITH XXXX AND XXXX. I PROVIDED EQUIFAX WITH MY POLICE REPORT, FTC AFFIDAVIT, AND PROOF OF THE PERSON THAT WAS BEING INVESTIGATED FOR THE THEFT OF MY IDENTITY AND EQUIFAX NEVER NOTIFIED THESE BANKS THAT I HAD A FRAUD IDENTITY CASE FILED AGAINST THE PARTY THAT STOLE MY IDENTITY. INSTEAD THEY IGNORED ALL MY POLICE REPORTS, DOCUMENTATION AND INDICATED FOR ME TO CONTACT THE BANKS INSTEAD. FOR AN ENTIRE YEAR MY CREDIT HISTORY HAS SUFFERED BECAUSE OF THESE BANKS AND I WANT THEIR ACCOUNTS REMOVED IMMEDIATELY FROM MY CREDIT REPORTS OR I WILL BE FILING ADDITIONAL CIVIL AND FINANCIAL CHARGES AGAINST BOTH BANKS FOR ALLOWING THE FRAUDULENT ACCOUNTS TO CONTINUE ON MY PERSONAL CREDIT HISTORY. FOR AN ENTIRE YEAR EQUIFAX HAS RECEIVED THE POLICE REPORTS PROVIDED TO THEM REGARDING THESE BANK CREDIT CARDS AND TO DATE THE BANKS NEVER REMOVED THE CREDIT CARDS FROM MY CREDIT REPORTS AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED!!! IF XXXX OR XXXX WANT TO RECEIVE THE POLICE REPORTS THAT I HAVE PROVIDED FOR AN ENTIRE YEAR TO EQUIFAX CREDIT BUREAU THEN THEY WILL NEED TO CONTACT EQUIFAX TO OBTAIN THEM CONSIDERING EQUIFAX ADVISED ME SEVERAL TIMES FOR AN ENTIRE YEAR THAT ALL INFORMATION WAS VERIFIED AND PROVIDED TO XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
WANTING TO MONITOR MY CREDIT REPORT DUE TO THE FACT I HAVE BEEN A VICTIM OF IDENTITY THEFT NUMEROUS TIMES HAVE HAD THE COMPLETE PREMIRE PROGRAM WITH UNLIMITED SERVICES CREDIT REPORT. BUT UNABLE TO OBTAIN MY CREDIT REPORT BY MYSELF. HAVE TO CALL IN EVERYTIME TO GET MY UNLIMITED REPORT. WHEN I ORDER MY CREDIT REPPORT ORDER SAYS ORDER ALREADY IN PROGRESS. WHEN I CALL CUSTOMER SERVICE SAID I NEED TO VERIFY INFORMATION. I ORDERED MY REPORT TO NUMEROUS TIMES BUT I HAVE UNLIMITED SERVICE. SO WHY DO I HAVE TO CALL IN BEFORE I GET A REPORT. THIS IS MISLEADING. AND I AM BEING CHARGE XXXX AND XXXX FOR HALF A SERVICE. AND EQUIFAX CUSTOMER SERVICE HAVE SENT UP NUMEROUS TROUBLE TICKETS AND THERE REMEDY IS TO CANCEL MY SERVICE AND REFUSE TO MONITOR MY REPORT. NEVER FIXED NEVER DELETED PREVIOUS REPORT ORDERED. SO IF YOU CAN FIX IT THEY WANT TO CANCEL. THEY ARE NOT PROVIDING A SERVICE. XXXX AND XXXX DO HAVE UNLIMITED SERVICE AND THEY TELL YOU TO REFRESH YOUR REPORT. AND EQUIFAX HAVE BEEN SENT NUMEROUS POLICE REPORTS AND THE FEDEERAL TRADE COMMISSIONS REPORT AND REFUSE TO REMOVE THE INQUIRIES. WHAT I AM TO DO. I CANT MONITOR MY CREDIT WITH EQUIFAX. THEY ARE A JOKE. IF THEY CANT FIX THERE PROBLEM WITH THERE SYSTEM THEY WILL CANCEL YOU. HOW DO I MONITOR MY CREDIT REPORT. WHAT DOES EQUIFAX COMPLETE PREMIER PROGRAM WITH UNLIMITED SERVICE MEAN. IF THEY CANT FIX UNLIMITED ORDERING REPORT AND YOU ORDER YOUR REPORT THEY TELL YOU DONT ORDER YOUR REPORT EVERYDAY EVEN UNLIMITED SERVICE IT IS A LIE. XXXX AND XXXX SAY IT IS 1 DAY SINCE YOU HAVE ORDERED YOUR REPORT REFRESH YOUR REPORT. THIS IS UNLIMITED BUT EQUIFAX SAYS DONT ORDER YOUR REPORT UNLESS YOU GET AN ALERT. BUT YOU HAVE UNLIMITED SERVICE. THEY TELL YOU WHAT AND WHEN YOU SHOULD ORDER YOUR REPORT AND IF YOU ORDER TOO MUCH THEY ARE OVERLOADED AND YOUR SERVICE IS NOT UNLIMITED. THEY NEED TO FIX THIS AND REFUND MY MONEY FOR A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax will not lift unfreeze credit report for ID theft victim without payment of applicable fee. 

I mailed Equifax a notarized ID theft victim affidavit and declined to go to the police. I asked that my credit report be frozen. I am now asking it be unfrozen, however Equifax is demanding a {$5.00} fee. 

Since I am a identify theft victim, I decline to pay the fee and want my report unfrozen free of charge as per state law. 

My PIN is XXXX.

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: CA

Complaint narrative:
unauthorized credit inquiries from XXXX XXXX. they refuse to remove or investigate inquiry disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I 'm requesting information about my loan to the bank and they do n't want give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time, yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight XXXX late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to Equifax. Furthermore, they do not report credit history debt. After I dispute their information being reported and it is removed, XXXX XXXX XXXX report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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 have disputed this a few times with equaifax. They come back every time saying VERIFIED. Show me proof for once! I have called the courthouse and they said i do not have a recorded judgment and that equifax has NEVER called them ever. 

They are lieing. How can you let this happen. They must remove the judgment from XXXX they have XXXX file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed Equifax notice over a year ago to take these accounts out of dispute, that I agree with their investigation. They have not and I can not get a home loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I initiated a dispute with Equifax asking that XXXX XXXX XXXX acct # XXXX validate the debt in the amount of {$710.00} and that the debt was being reported twice on my report. I received notification that the file was updated to show as " paid in full '' on report # XXXX on XXXX XXXX, 2015. I also advised Equifax that the debt was being reported twice by the same company as XXXX XXXX XXXX is now XXXX XXXX XXXX ( according to their website XXXX ) and there was an entry for both names with all the same information on my Equifax report. As of today, XXXX XXXX, 2015, XXXX XXXX XXXX was deleted but now there are XXXX entries for XXXX XXXX XXXX on my Equifax report. It is unlawful the Equifax to put this information back on my report as it was previously delete. It is also unlawful for them to all the organization to report the same debt twice. More importantly, it is unlawful for XXXX XXXX XXXX ( formerly XXXX ) to misrepresent information to Equifax under the Fair Credit Reporting act. I am asking that this be investigated as I have tried to obtain resolve from Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a collection account listed with XXXX. I have not had an account with them for years and I 've received solicitation stating how bad they want me back. I fulfilled my account with them and have not been contacted. This is the first I 've seen this. I 'm disputing this and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed that my Equifax credit monitoring product had automatically renewed itself and charged {$290.00} to my credit card on XXXX XXXX. I called in to immediately cancel the service on XXXX XXXX because the customer service office was closed by the time I noticed on XXXX XXXX. The call center rep confirmed my immediate cancellation and told me that I would no longer be able to access my account and a credit of only {$270.00} would be issued to me. After complaining and requesting an escalation to a manager, the rep confirmed that they would issue a refund for the full {$290.00}. I waited one week to verify the refund had been processed and noticed that only {$270.00} had been refunded. I called in to complain on XXXX XXXX. The new rep mentioned that their policy does not allow full refunds once payment has been received. I called out that I did not approve the payment in the first place. Despite not accessing or even being able to access my account during that 1-2 day renewal cancellation window, I was told that I would be charged as if I had used the service for the full month. I was told that the original phone rep should have never promised a full refund because they do not permit that. After escalating to a manager, they agreed to review the original call to see if I was promised a full refund. If so, they would try to refund the additional {$25.00}, but it would take up to two weeks. Someone should investigate the cancellation policies for Equifax 's credit monitoring services. Customers should be contacted to confirm that they would like to renew their product before being charged. There also needs to be some form of a cancellation or opt-out window without customers facing penalties. Had I not been employed within the financial services industry, I may not have been so inclined to complain without knowing regulations protecting customers against Unfair and/or Deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
They keep sending me this!! I know it belongs to me!! I 'm not denying this point! Its just from back in XX/XX/XXXX and XX/XX/XXXX..And is outdated and should be off my file by now! It was all part of a Bankruptcy back in XX/XX/XXXX..Remove it! 

We have researched the credit account. Account # XXXX The results are : We verified that thisitem belongs to you. Additional information has been provided from the original source regarding this item. If you haveadditional questions about this item please contact:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports immediately.

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 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX are reported as open. They were both included in my Bankrupcy which was settel in XXXX in 2015. Both have been

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following company had done an hard inquiry with equifax without my consent. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I was advised by a representative at Seterus they cant guarantee I would get reviewed for the principal reduction program my lender started to participate as of XXXX XXXX, 2016, because of my delinquencies and defaulting on a previous modification! I have written a detailed letter of explanation along with the guidelines and the letter Seterus has send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax did not address my concern. The courts did not report any public record information to the CRA, therefore an indirect party, third party, has provided the CRA with this information. They CRA 's credit summary is misleading, as if the a Gov Agency, the judicial system, is the equivalent of a creditor or data furnisher, reporting public records to the CRA, which the court does not. 

Equifax Credit Information Services said : Explanation of closure Please be advised the creditor verified the Judgment case number XXXX correct as reported. Please be advised Judgment case numbers XXXX, XXXX and Bankruptcy case number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have placed a fraud freeze on my credit reports. Recently, I attempted to get a new credit card. The freeze worked exactly the way it should ; XXXX sent me a letter saying they needed a pin, or for me to release the freeze to continue. 

The problem is with Equifax. Through their website, they asked for indentification from me, but did NOT request the pin I have recorded from them. Immediately after, they refused all further contact by phone or internet : " We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. '' I am not comfortable with sending information that is already sensitive in the clear, and especially when it includes the PIN that is the master key to my credit report with XXXX. 

But I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, Equifax ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have an account on my Equifax report that has been deleted from both other creditagencies. The account has past the statute of limitation and should not still be actively reporting.

Company response to consumer: Closed with non-monetary relief