vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I called + sent Equifax a copy of my account paid in full for the dispute. The company I owed ( XXXX ) has set the info to Equifax that my account is paid in full. XXXX reported the wrong amount due and we agreed on a new lower amount which I paid in full. Equifax is still showing the account as a charge off. That 's incorrect. I 've called them 2 times with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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:
Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
For past 3 years, have been jerked around first from XXXX to Seterus. We fell behind mortgage payments, had to move out of house for major repairs on first floor due to Hurricane XXXX. XXXX promised to do loan modification. It took forever to process, many documents. Wasted time. Papers were lost and resubmitted again and again by us. Loan mod was much too high for us. Now we are dealing with Seterus. No help there either, nothing. After XXXX loan mods we refused the third XXXX and the fourth and fifth XXXX. The past amounts were nothing we could afford. Even a blind man could see that there was no way we were getting an affordable loan mod even if we filed XXXX loan modifications. I had to stop working XX/XX/XXXX. Money became almost non-existent. Nobody can or will help us. Spoke to many agencies, lawyers. Nothing. Can we now do a short sale? And will we be held liable for the difference if the amount of the sale is lower than what is owed on the house? I ca n't get a straight answer. Is there any sign of intelligent life out there? House is for sale XX/XX/XXXX and current realtor has not been able to get a buyer. Nobody shows up for any open houses. The house is in excellent condition because we spent time and money on it. We will leave the house XX/XX/XXXX. We are done here and I understand these mortgage companies do n't care. But knowing we are XXXX they have proceeded to treat us like immigrants who lack intelligence. By withholding info we needed and the delays, everything fell down the tubes for us. Nobody at XXXX or Seterus cares about homeowners. That 's evident to me. They have a bad rap. That 's what I hear all over town!! Somebody needs to do something to make sure others do n't experience the same situation as we have and lose their home where they paid mortgage for 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This account was included in a bankruptcy and should now be closed. I have disputed it but I just get a message saying there 's an error and it continues to show as open on my credit report. I have called the collection company and they do not return phone calls. I am just requesting that they at least change the status from open to closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Information Services LLC : This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as it is. Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report. XXXX XXXX/XXXX/XXXX Find out the exact date, because I think the XXXX shown is not quite accurate. Refresh my mind on this data and verify or delete this entry form my credit report. XXXX XXXX Verify the remarks, payment status, history dates, and high credit. Check it and repair accordingly. XXXX XXXX I want a verification in the status, monthly payment, XXXX payment history and credit limit because is difficult for me validate. Corroborate if is possible make any corrections or delete. XXXX XXXX Rectify the high balance, limit, comments, account status, and payment history. I have doubt that must be clarified so if you may please check the data and possibly correct them. XXXX XXXX Review this data like the status, comments, payment history, and high credit because I feel there have some errors. Verify and repair or delete. XXXX XXXX I contemplate in some context on this account might bring possible errors.I believe the pay status, comments, account status, and high balance are having a great effect examine and repair or end the reporting. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be accurate and current. Refer to my attached documents so the proper corrections are made and delete the following from my personal credit file. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be update, correct, and accurate. Refresh and take away the following from my credit report : Incorrect Name XXXX XXXX XXXX am confuse how you are provide my name on my personal credit report. Please verify into this have it corrected and delete the following : XXXX XXXX XXXX XXXX/XXXX/XXXX Verify the company name, date shown, and if this was authorized properly. Afterwards remove it from my credit file since the data might be erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
That I have went under some names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something like that My name is XXXX XXXX XXXX And there has be fraud under these names and now my name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was a co-owner of a XXXX. I was bought out contract was developed the contract stated that the new owners would assume all liability for all outstanding debt for all accounts. Two years later I was sued by XXXX for a bill that was not in my name but the account was open by me when I was an owner. 
A judgement rendered against me. I paid the account and a in turn I sued the new owners who did n't fulfill their contract obligation. 
I have a judgement against me although I was out of the business for over two years. 
I have the paperwork to confirm both settlements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 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:
equilfax is reporting XXXX medical collections from a collection agency called XXXX. these collection were not billed to the right insurance im XXXX veteran the medical provider was instructed to bill the VA for services for XXXX. the VA will not pay collection agency. midmich medical sold these collection to XXXX and will not cooperate in the proper billing.i filed meany complaints with equilfax with no results.i want these collection removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are XXXX tax liens on my credit report, XXXX have been released and satisified. I would like to have them removed. I have called XXXX XXXX court and they are telling me they do not report or remove them. I called the Georgia XXXX and they are telling me they do not report to the credit agency. If they credit agency put this there, it should be removed immediately. This is satisfied and released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted the hospital and was making {$50.00} a month payments. They agreed to accept this amount. I have been making these payments and they turned it over to collections wrongfully. I strongly refute this and request immediate removal from my credit report. Besides, why is there a medical bill charged against me on my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I really need your help because at this point I do n't know where to turn. I opened the mail and I saw XXXX letters. XXXX from XXXX credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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:
still charging me for my credit report unable to retrieve credit report on my own. have to call customer every time. they refuse to fix the errors have me calling to verify info have called but errors have not been fixed for over a year. ca n't dispute my credit report. always get error. charged me XXXX XXXX and XXXX refuse to give refund. sent numerous over XXXX escalation tickets up to technical but instead of fixing my credit report they cancel my service instead of fixing it. they do n't want to do anything back send you on your way. when you call they send your call to XXXX than about XXXX to XXXX people later you might get the us Equifax. why over a year they have not fix my profile. they should take a look at transunion they do n't have problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on XX/XX/2014 XXXX Placed an inquiry on my credit report .it was an false inquiry. on XX/XX/2014 XXXX sent me a letter to send to the credit bereau's 
XXXX and XXXX removed the inquiry, but to this day equifax still will not remove it affecting my credit.also there are some other inquiry that should not be on the equifax report also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX 2015 I discovered that I was the victim of identity theft. Someone using my name obtained XXXX credit cards using a XXXX, Oregon address. The total balance on these XXXX cards was around {$40000.00} ( XXXX XXXX, XXXX, and XXXX ( a credit union in Oregon ). I filed a police report along with formally contacting all XXXX credit reporting agencies and the XXXX credit card companies. I received written confirmation from each of the XXXX credit card companies that these accounts were fraudulently obtained. I subsequently received confirmation from the XXXX of the XXXX credit reporting agencies ( XXXX and XXXX ) that they had removed all information relating to these XXXX accounts. Equifax removed XXXX of the XXXX ( XXXX XXXX and XXXX ) but refuses to remove the third ( XXXX ). I have contacted XXXX directly who confirm they have now twice sent the confirmation of fraud to the XXXX agencies. I have put XXXX fraud investigations in with Equifax XXXX written, online, and over the phone and I keep getting the same response that the XXXX account " belongs to me ''. I have attached as evidence the letter I received from XXXX in XXXX, 2015 verifying that they view this account as fraudulent. This letter was faxed ( and verified as received ) to Equifax on XXXX/XXXX/2015 but they continue to list this on my report. 

It is clear to me that other information from Equifax is erroneous and not consistent with that seen with the other credit reporting agencies. Both XXXX and XXXX list my current employer as XXXX which is correct as I have been an XXXX here for 4+ years. Equifax lists my most recent employment as XXXX. This was a position I held 30 years ago as a college student.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a lein placed against me by the state of California for unpaid state taxes in XXXX. The lien was registered in XXXX XXXX XXXX in XXXX XXXX and paid off in full in XXXX XXXX. I have asked Equifax to remove the notice of the lien but I am told it is their " policy '' to keep liens for seven years FROM THE DATE OF PAYMENT. So, if you pay off the lien, you 're penalized for seven years after the fact. This is n't a good policy. It 's harmful and it punishes the very people it should be rewarding. 
I 'd like you to speak to them about this and, hopefully, have them revise this punitive policy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX shows as a hard inquiry on my Equifax credit report ( the above case number is from Equifax ) that occurred on XXXX/XXXX/XXXX. I disputed with Equifax and they replied that it is an actual inquiry. The only XXXX related account I have is a XXXX card opened in XXXX for which an inquiry on my account shows as " XXXX '' made on XXXX/XXXX/XXXX. There should be no other XXXX inquiries as I have not applied for any other accounts with them or with department stores who might use XXXX. 

On the attached credit report, please see page XXXX where the inquiry from XXXX XXXX on XXXX/XXXX/XXXX is shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received an alert from equifax that my home address had changed to XXXX XXXX XXXX XXXX XXXX Florida XXXX had changed to XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

I said that XXXX XXXX " XXXX XXXX '' does not exist and that I did not authorize it. I was told I 'd have to fax my drivers license XXXX utility bills, a copy of my ss # card. 
I asked to speak to a supervisor and spoke to a supervisor " XXXX '', who said if I did not like my service I could cancel it. Well, three seconds after my call I received an email that my membership was due to cancel on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A fraud account was opened with XXXX XXXX XXXX XXXX with a balance of XXXX.The fraud account was opened in XXXX, FL in XX/XX/XXXX . A fraud dispute was opened with XXXX XXXX and proper paperwork was provided. The original investigator assigned to case was XXXX, contact number XXXX ext XXXX regarding fraud account XXXX fraud account was resolved in my favor and it was reported to XXXX and Equifax. XXXX has removed the fraud but after several disputes with Equifax , they will not remove it. The first dispute letter was mailed to Equifax on XX/XX/XXXX. Since then it was mailed 2 more times, on XX/XX/XXXX and XX/XX/XXXX. The last attempt was not unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reported the information being inncorrrect to Equifax over ten times an no response for over ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect. I just talked to XXXX on XXXX/XXXX/2017 at XXXX and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has reinserted unverifiable accounts.

Company response to consumer: Closed with explanation