vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a charge off with XXXX that ended XX/XX/2011. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2011. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX should be deleted on my file and still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The description of my credit activity is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler is trying to garnish my wages for a XXXX account that I do not owe. They have failed to send me any proof that I owe this debt. It not on my credit report as an original creditor, a collection account or judgment. I looked up their company and see they are collecting debt illegally. I really need your help in stoping this because I do not feel they have the right or the proper information to try and garnish my wages. First they said it was for an XXXX account then then came back and said it was for a XXXX account. I Do n't think they know what they are doing and I ca n't afford to have my wages garnished for something that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
consumer cellular acct is not mine. My ex husband opened it in my name. The XXXX credit card is also his, he added my name without my knowledge and I never used it.

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

Complaint narrative:
Equifax is reporting a judgment on my credit file that does not belong to me! I disputed this erroneous public record over 90 days ago and have yet to get a response from them. I called the court and they have confirmed that this judgment is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to Equifax, XXXX and XXXX XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I dispute a Bankruptcy Dismissed chapter XXXX asking them to provide me with the actual proof that they can report this account on my credit report file. I didnt received the actually proof. When calling in the CSR told me that they verified my item from the courthouse but I revived a letter online with the above confirmation number that they used to invesigate the dispute and it was verified by XXXX which I know is not true is because I have a security freeze on my account with the and they are not given out any information on my behalf. So I would like to know how they verfied this with the company. This item need to be removed asap

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 status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Equifax in XX/XX/XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Equifax is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX showing the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have over XXXX inquiries on my credit report that does not belong to me

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: NC

Complaint narrative:
Equifax has inserted XXXX XXXX XXXX on my credit file. In accordance to XXXX XXXX. XXXX, Equifax is unable to 100 percent verify XXXX on my credit file. Under XXXX XXXX XXXX, Equifax is obligated under federal law to permanently delete XXXX from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my credit report from XXXX. On the section of credit inquiries. I found there is XXXX from XXXX which I do n't recognize. On the report it says XXXX XXXX, De XXXX. I have no idea what kind of card is this, and I never ever applied any card from this unknown bank. I want this incorrect error removed from my credit inquiries in my credit report. I have included the screenshot of the hard inquires from my XXXX credit report. I have no idea what this inquire is. And the most important is, I never ever applied any card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
equifax said i have to many deliquinces i have none at all through XXXX XXXX this was the report information XXXX XXXX gave me this info on my credit when they checked foe an equuty line a credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint about equifax as I have contacted them in regards to a dispute about incorrect information reporting on my credit report. Teacher 's XXXX XXXX XXXX is reporting as XXXX loans. This is incorrect as I only had XXXX loan with this bank. I contacted the XXXX XXXX XXXX as well and today I received a response from the XXXX that they have attempted to contact Teacher 's XXXX XXXX XXXX twice on my behalf but were unsucessful as XXXX did not respond to them and now the XXXX must close the case. To my understanding if a company/bank does not respond within the allowed time frame it is to be automatically deleted. I did not have XXXX loans with them only XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
They are not applying my payments to the loans I am selecting causing my loans to default. I am not getting any help from AES

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 — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/2016 I was advised by XXXX in the XXXX with Equifax that my credit file was going to be locked and that they needed me to submit my Social Security Card as well as a XXXX form XXXX to them via fax to verify my identity after I have been dealing with them for going on a year now filing disputes on my credit report. I recently submitted a complaint with the CFPB on XX/XX/2016 against Equifax and when I asked them why they were responding to my complaint with information that they received from XXXX of the company 's on XX/XX/2016 which is prior to when I submitted my complaint with the CFPB they decided to transfer my file over to the Consumer Affairs Department who is now requiring these documents be submitted to them which I did comply and submit the documents on XX/XX/2016 and faxed them to Equifax. I called Equifax XXXX XX/XX/2016 and asked them to REMOVE the lock off my credit file and they told me no they were not going to remove the lock off my credit file until they are able to verify my identity which could take XXXX hours which I believe is in violation of my rights to lock my credit file. I have filed a complaint with the FTC as well as filing a complaint with my local senators office regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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 sent SEVERAL letters to Equifax requesting that they investigate and have only been met with responses containing semantic responses in an attempt to completely stonewall me in my multiple attempts to get this inaccurate information removed from my Credit Report. Each and every item in the attached letter is completely incorrect. I have contacted each of the data furnishers directly and have had no cooperation, and each and every company has had a lawsuit filed against them by me under FCRA and FDCPA by an attorney who represents consumers that have been wronged by financial institutions, which is why I am now holding Equifax responsible. 

The data furnishers can not prove that these debts belong to me, which again is why I am now turning to Equifax. 

What can Equifax show that shows these accounts belong to me and that they have conducted a proper investigation? 

I have contacted Equifax at least three times by certified mail. I do not want to sue Equifax, money is not what I am after, but if need be, I have been advised my a consumer protection attorney that my case is an individual case and could be a class action, both at XXXX out of pocket cost to me. 

I do n't know why I must spend so many countless hours trying to get Equifax to remove and correct these items. I am very upset by Equifax, and they are causing me a lot of stress. I feel like Equifax does n't even actually read the letters it receives. 

I have researched each and every item in the attached letter, and I 'm am hoping that Equifax takes this matter seriously and conducts a proper investigation. I do not want this issue to be handled by XXXX either. I need an actual person to take a real interest and conduct a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 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 submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax required that I purchase their service package of {$17.00} a month before they would help me with any request I had. They charged me for obtaining info about my own account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus Inc has been holding my {$50000.00} hardest hits fund for over 4 months claiming a " system issue ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted more than XXXX dispute with Equifax. This is the last XXXX. I have called 3-4 times. I have written a complaint letter. My mortgage company, XXXX ACCT XXXX, was removed from my report from all XXXX credit bureaus. Equifax has questioned why I filed a dispute. I was chastised for filing the first XXXX in XXXX 2015. I was questioned on why I filed bankruptcy. I was told by XXXX that he was n't sure that the information could be added back on my report. XXXX is not much better. Dispute XXXX was the first request with Equifax. Please help.

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

Complaint narrative:
Account is paid in full but still shows a balance on the credit report. Company acknowledged that the account it paid in full but said I needed to file a dispute so they could respond and show the balance as {$0.00}. 
Shows as : XXXX XXXX XXXX, 2014 XXXX {$100.00} Account XXXX

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

Complaint narrative:
After reviewing my Equifax credit report I see they are reporting a satisfied judgement with an open balance. I contacted them and they stated that the judgement is shown as satisfied but they have not changed the balance to XXXX to reflect the judgement was paid. XXXX is reporting it correctly and XXXX has stated they will be updating their report to indicate the judgement was satisfied in full and no balance should be indicated in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I ca n't access all my credit cause at the time to verify my past information it those not matched and is because i have some stuff under my credit that is not supposed to be in my credit and that i dont have no idea what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.

Company response to consumer: Closed with explanation