vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax shows a XXXX credit score despite the fact that I have standing credit with XXXX banks and other creditors. I 've contacted my creditors and all said they report to Equifax, when contacted Equifax I was told it was the creditors fault for not reporting. I have excellent credit and no problem with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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 disputed XXXX unauthorized inquiries on my Equifax Credit Report. The other XXXX reporting agencies removed the inquiries after a properly and timely investigation. However, EQUIFAX whose in the habit of pleasing creditors, refused to perform the required investigation. I submitted my dispute on XX/XX/2016 and it completed its investigation on the day, citing " Inquiries are a factual record of file access ... '' and therefore, refused to investigate the unauthorized inquiries. I read online XXXX complaints from other consumers who experienced the same issues with EQUIFAX when disputing inquiries. This agency should slap them with a lawsuit to cease and desist them from doing that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need to talk with a HUMAN at Equifax. 
I have a freeze on my credit report with Equifax, which I am very grateful for. But, I am trying to get pre-approval for a home loan. I just need a temporary release of the information for the company to check it. I can not access the Equifax system because I do not have my pin number ( papers lost in a home fire ). The phone numbers I find on-line take me back to automated system with no option to get the pin nor to talk to a representative. The numbers I obtained from on-line, and CFPB either were no longer in service or were also automated. My complaint is Equifax is not user friendly. I need to talk to a human at Equifax to get help in reestablishing my pin so I can get the freeze temporarily lifted. There is NO problem with the other XXXX Credit Reporting systems. The necessary information was retrieved from them and I could have gotten the pre-approval in a timely manner except for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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 sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is a delinquency on my credit report and it does n't tell me where it has come from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I had a XXXX which was an XXXX. I opened a BUSINESS credit card account with XXXX XXXX XX/XX/XXXX. The business never made much money and I decided to shut the corporation down XX/XX/XXXX. I closed as many credit lines as I could by paying for them out of my personal income. There were XXXX credit lines still open that I could not pay right away until I paid more of my personal debt off to get more cash flow. I will have to pay the accounts eventually from my personal income. However, as soon as the BUSINESS credit card for XXXX XXXX went past due for 60 days, XXXX XXXX reported the NEGATIVE only information to the credit bureaus under my social security number. I have confirmed that the XXXX number for XXXX XXXX is on the account record and is accurate. I was told by XXXX XXXX that their policy is to report ONLY NEGATIVE information under the primary and secondary business owner 's social security numbers as well as the business credit bureaus under the XXXX. I believe this is wrong, unethical and may be illegal. I believe this is an attempt to circumvent the laws governing a separation of personal and business debt. Also, it shows that XXXX XXXX 's intention is to cause harm to the personal financial reputation and not to assist in collecting the debt. The fact that ONLY NEGATIVE information is reported under the owner 's social security number AND to the consumer credit bureaus is vindictive business practices designed to destroy the financial reputation of the business owner instead of the business ' financial reputation instead. All business debt should only be reported to business credit bureaus and completely separated from personal debt. The credit bureaus should not be allowed to report business debt on personal credit reports especially in the case where legal means have been used to isolate business and consumer debt for example in the case of a XXXX etc. XXXX XXXX 's current policies ignore the laws governing the formation of these legal entities under the law. The way I am impacted is that I have lost thousands of dollars in the business failure. By XXXX XXXX damaging an otherwise pristine personal credit record, I am not able to sell my house and get a lower costing mortgage which would help me pay back XXXX, XXXX 's debt. My personal credit bureau scores do n't allow me to re-finance the debt or allow me to maneuver to find a solution to repay the debt. So, in reality, XXXX XXXX 's behavior and policies are damaging to the economy, the banking industry, the mortgage industry, business financing, and shows a vindictive intent to destroy the personal credit of the business owner. This behavior should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am having continued issues with my credit file and equifax. I can not gain access to my report through my monitoring service that I have paid for quite some time. In my monitoring service I have the option to lock my credit report and I tried to unlock my report and have been unsucessful in getting this done. I have tried to contact equifax and it seems to go no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is showing me as deceased and not generating a credit score. I am alive and my identification has been provided with my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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 let negative information back to my report without given proper procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I subscribe to XXXX XXXX which is a joint venture of XXXX XXXX and Equifax. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - XXXX XXXX and Equifax respectively ''. 
Lender pulls my credit and the scores are XXXX XXXX XXXX a XXXX point difference and XXXX Equifax a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax deleted a positive trade-line on my bureau report prematurely. I have made several attempts to contact XXXX Equifax and the original creditor about reinstating the trade-line several times. Each entity claims there is nothing they can do on their end and blames the other for the issue. I have spent countless hours trying to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
XXXX/XXXX/XXXX. Called Seterus Inc again to obtain status of the modification request submitted on XXXX. Still no resolution on this. I keep getting the " follow back with us next week '' The representative today " XXXX XXXX '' stated that they are still working on find a solution for me. They will be contacting me if a subordination can be offered or not. She told me if I did not get approved for a subordination they would move forward with the foreclosure of my home. She told me someone worked on my file on XXXX/XXXX/XXXX but could not tell me what was done. She said documents were ordered. When I asked what documents she told to go to their website to read how the process of a subordination works. Basically she could not tell me anything. I have been calling Seterus Inc every week since XXXX/XXXX/XXXX. I have spoken to several representatives. They all give me different information. The representative from last week told me she was submitting an excallation review since they made a mistake in regards to my modification I completed on XXXX of XXXX. They never recorded the modification for the payment of {$1400.00}. Never notified me that the modification was not denied, after the fact that they sent me the Modification document to be signed and notarized. They Denied my modification after they approved me without notifying me. Instead they were sending letters to my ex husband 's attorney. I was completely blind sided on this and now they are playing games and not getting this problem resolved. I am under the impression they are going to deny my modification request and offer me no other option and I will loose my home. It is going to be almost 1yrs that I have been trying to resolve this problem and nothing is getting done. I can not afford to hire an attorney to resolve this issue. But I 'm afraid that will be the only way for me to keep my house. I have filed a few complaints and the answers you get are the same I am getting. " They are working on a resolution for the problem, someone will contact you soon '' No one from Seterus has ever called me. I 've been getting letters daily in the mail that my account is behind and that I need to pay over {$9000.00} to bring the account current and prevent foreclosure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX XXXX 2016, my credit score was XXXX and three days later it dropped XXXXpoints for no reason. I do n't any collections and was n't late on any payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Ok my name is XXXX I 'm not XXXX that 's my sisterlaw by marriage and some accounts doe'st belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This agency is reporting an account that is unverifiable and very old past the statute of limitations. Several disputes processed and a request to validate directly to this company with never a single response. How is Equifax able to verify when I ca n't and its on my credit file? I want this removed as it is a remark violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is still reporting a bankruptcy on my credit report that was discharged 9 years and 9 months ago. They are the only credit bureau doing this. I want it stopped and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted validation letters to Equifax about accounts listed on my credit report that are not mines, and that I have no knowledge of. Equifax submitted letter back stating " verified, '' and I submitted letters requesting that Equifax provide me with proof that the account is mines and they have yet to provide me with proof. 

Account : XXXX XXXX XXXX & : Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I applied for a XXXX credit card they sent me a letter in the mail saying that Equifax was the one who gave them the credit information. So I went to the Equifax website, It said I took out a mortgage loan in XX/XX/XXXX ( I have n't ever owned a house! ) It said I had a retail card in XX/XX/XXXX it listed places I do not shop at, which I have not ever seen and a bank card? I do n't even have a bank account. I need to know who is doing this stuff and why they are doing it me! I could n't believe what I 've seen on here!! I want to know where this all took place what addresses are they coming from? Because I will take them to court they will get locked up. This is n't fair I 've always avoided using these things because I want to keep my credit clean now that I want to use my credit I ca n't this is unreal!!! I 've always used cash for everything. XXXX!! I called Equifax @ the end it hung up on me when I asked it to repeat the confirmation number and was " supposedly '' referring me to someone I could speak too. I want all the addresses and I.D . 's looked @ the names of the people who took this mortgage in, the names and the addresses of the people who had the retail and the bank card because this is some XXXX. oh and my " free report '' was not available online. -how convenient.

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

Complaint narrative:
I have tried on multiple occasions in my dealings with both the Fraud department and most recently the Office of Consumer Affairs to have them change my current address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Unfortunately, in my several attempts to upload the necessary pages of my lease, apparently the online system to which a consumer is to upload does n't work. Henceforth, I am trying to utilize the method to get this rectified accordingly. I am attaching a few pages of my lease for verification purposes and would appreciate someone reaching out to me to let me know if in fact additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am trying to get a VA loan but can not because of credit report issues. Issue is with where banks obtain their credit reports from. XXXX in particular that I am aware of Equifax Mortgage Solutions. The credit reports I receive do not show any balance, amount delinquent or duration as mentioned in the XXXX disclosures. The bank 's credit reports however do show outstanding and delinquent amounts. I am retired and my physical abilities are starting to diminish and need to find suitable housing for myself and my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This was paid in full in 2009 and they are reporting that it 's active and open on Eqifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.

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

Complaint narrative:
had been financed for a medical procedure when i was XXXX. all debts had been paid off, but the medical office made a mistake and sent my account into collections.

Company response to consumer: Closed with explanation