vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I went to the " XXXX '' web site and filled in the information. First, it took me to the Equifax site, where I selected the option of " saving your report as PDF '' option. I got a dark screen with an error message stating that the " PDF function not allowed '' and " for errors please report to null ''. When I returned to the web site they disallowed any viewing of my Equifax report, stating I had " already viewed '' it. 
This web site is coded to be confusing, misleading, deliberately taking the user to paid reporting functions of the various agencies and to prevent the user from actually accessing these reports. 
These financial data are mine. To deny me access to current data is wrong. 
I want my annual credit report AS REQUIRED BY LAW. Please stop the deceitful practices of the reporting agencies and create a REAL annual report site. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX md XXXX eqiurefax as me down as XXXX XXXX XXXX XXXX XXXX XXXX marylandXXXX and says i owe comcast {$220.00} comcast says it is not my account and i no this and eqiurefax will not remove it evevn when i have proof i donot owe any one any money please help me as this is messing up my credit i have a letter from comcast saying that i donot owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: DC

Complaint narrative:
Called to get loan payoff information so I could sell the house, refused because the number I wanted it faxed to was an attorney 's office and I was behind on the loan. They were very hostile the entire time, refused to send information I 'm legally entitled to, then hung up on me after nearly an hour of going back and forth answering all their questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was informed all paid medical collections should be removed, two old paid medical accounts are still listed. These items were disputed and nothing was removed. Why is n't Equifax complying with the law? Please help assist

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have all these XXXX address on my report and live in XXXX. I have never been to XXXX, none the less lived there. There could be used for Identity theft and I would like them removed since they do n't even belong to me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These are Doctor Bills that have been paid for buy insurance and the way they Discriminated against me I considering suing them for malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2015 I reported to Equifax the following, recorded XX/XX/2015. You 'd think SOMEONE with a working brain would have fixed it XXXX IN XXXX AS FORMER RESIDENCE IS NOT TRUE I AM FILING A LAWSUIT ON XX/XX/2015. Fortunately in spite of their incompetence, I was able to get the home loan. But this false identity theft address is STILL on my report after 2 years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
They did n't file my insurance company and sent me a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from XXXX or XXXX. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must " request my XXXX credit report via postal services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SENT LETTER TO XXXX ON XXXX/XXXX/2015 AND NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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 sent in a dispute letter to equifax in late XXXX regarding several accounts on my credit report that were unverifiable and requested that they validate the debt or delete it from my credit report one of which included a bankruptcy. Equifax advised that they were able to confirm the debt. I contacted equifax via phone and asked them how they confirmed the debt they advised they had a runner go over to the bankruptcy court but was unable to provide additional information. I then submitted a XXXX complaint against Equifax/Complaint # XXXX. After the case was reviewed I received a letter from Equifax that the bankruptcy was now verified through XXXX XXXX in late XXXX XXXX. At this point I knew something was wrong because I placed a file/credit freeze on all of my accounts in XXXX due to fraud. This would make it impossible for Equifax to have had verified any information through XXXX XXXX. I am now requesting that Equifax delete this bankruptcy from my file due to providing false information to consumer. I am unable to attach anything as I do not have the proper equipment however I am willing to send any documention needed regarding my credit freeze with XXXX XXXX.

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: GA

Complaint narrative:
ACCOUNT IS NOT MIND INCORRECT INFORMATION COMPANY NAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently obtained a copy of my credit report from Equifax only to discover that a company called XXXX XXXX XXXX has reported that I owe them money and it is affecting my report negatively. In the past I have disputed this information with Equifax because I have never been personally liable to XXXX XXXX XXXX and would like this fraudulent information removed asap. Equifax claims to have confirmed that this debt is mine and that ca n't be true because the debt is not mine. XXXX XXXX XXXX is trying to hold me accountable for a business leasing account that I was affiliated years ago with because the business that is liable is gone out of business and they ca n't collect from that business, so they are going after the only person they can and that is me. Both Equifax and XXXX XXXX XXXX are clearly violating FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) federal laws as they are blatently reporting false, unverified, unvalidated debt that does not belong to me personally. I am requesting your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed bankruptcy on XXXX XXXX, and my mortgage loan with Bank XXXX XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

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

Complaint narrative:
In its " Explanation of closure '' for Case number : XXXX on XXXX/XXXX/2016, Equifax stated that " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX Bank XXXX account number XXXX has been verified as reported with your Name, Social Security Number and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the Data Furnisher directly at XXXX XXXX XXXX XXXX to request copies of the documents they provided for verification of the account. Written confirmation has been mailed to you. '' In its " Response '' to Case number : XXXX Equifax further states, " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' A copy of the results of Equifax 's reinvestigation are attached ( " Results '' ). 

Although XXXX XXXX immediately removed the account when it received a copy of the court judgment, Equifax failed to do a reasonable investigation and remove the incorrect account information. Because of this, I am requesting copies of any and all documents or data provided by XXXX XXXX to Equifax between XXXX XXXX, 2016 and the filing of this Complaint. 

Please provide me : 1. Any and all records related to its investigation of my dispute, including all communications ( such as XXXX. ) between Equifax and XXXX XXXX. Including any and all documentation relied on by Equifax to ignore a court judgment in my favor on the alleged XXXX XXXX account ( if such information exists ). 
2. Immediate and permanent removal of XXXX XXXX account # XXXX XXXX XXXX XXXX from my credit file. 
3. A copy of my complete corrected credit file - not just a credit report, the *complete* file. 

Please note that eventually XXXX XXXX responded to my CFPB complaint by removing the alleged debt from my credit file. See attached letter. ( " XXXX XXXX Letter '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files. Under the Fair Reporting Credit Act, the Creditor and Credit Agency are required to notify me within 5 days of re-inserting the previously deleted items. Also, the creditor is reporting inaccurate information. 

Agency Creditor Account Equifax XXXX XXXX Item Status XX/XX/XXXX ( Item was removed and latest credit file showing item re-inserted and with inaccurate information ) ( View Attachment ) As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I requested Debt Validation from XXXX XXXX XXXX. 
XXXX never responded. The credit reporting bureauXXXX, continue to show this invalid debt on my report. I would like XXXX to remove all references to this account. This Validation was sent more than two years ago and no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 
This which you DECLINED. I sent info for Exquifax or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 
If they had investigated properly, no XXXX system thank you, they ( Third Party Collections Companies ) would have known, that these accounts were not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
pinnical credit service was removed from my report then they added it back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
IRS contacted me about breech of 2015 tax document involving my SSN and said I could get a year of credit monitoring for this problem caused by their agency. I contacted Equifax for myself and have had no luck getting them to help. They say I have not proven that I am who I say. I submitted documents with my driver 's license and last year XXXX form along with a cover letter. After 7 phone calls, I can not get past the " protocol '' of the phone answering people who are completely uninterested in the incident # or promo codes that I have been given by the IRS to deal with this matter. I find their company cumbersome and disorganized in their phone interactions and I had similar problems trying to do this online. I want an informed person who speaks decent English to contact me so I know that my sensitive material that I have given to their " phone answerers '' is not making an even bigger problem and that I have the help the IRS says they are to give. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the Maryland Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
I have paid off all medical bills. I am XXXX. Cadillac ACCNTS REC MGMT has chose to leave an open account on my experian credit report. This open account is bringing my credit report down Alll account by my former Attorney that were PAID IN FULL were left active. Former Attorney 's Name XXXX XXXX CADILLAC ACCNTS REC MGMT. Partial account number XXXX Address ID number XXXX XXXX ) XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA phone # XXXX XXXX XXXX partical account numbers # XXXX NEXT XXXX SAME COMPANY # XXXX ADDRESS ID # XXXX NEXT XXXX SAME COMPANY XXXX ADDRESS ID XXXX. The credit reports shows that I have a active balance with these credit reporting agency and I do not All balanced paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX. Had a disagreement w/ XXXX. Refused to pay. 
XXXX closed account due to lack of Pmt -- XXXX XXXX. Did not report pass due till XXXX XXXX. You ca n't have it XXXX ways. When does the clock on 7yrs start ticking? 
Spoke with EQUIFAX -- -AGAIN today. Was told by someone who spoke very unclear english that it will NOT come off till the balance is PAID. Also that the time ( 7yrs ) starts when it was turned over to the collection company. We went over and over and over the legality of this -- - to NO avail. Very Frustrated. Please help. XXXX yrs old. XXXX Vet. Trying to obtain a VA Mortgage. Both XXXX and XXXX agree on the report times ( 7yrs ) and have removed. 
Thank You So Very Much For Your Help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. 
Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Eqifax stated that they were unable to provide an online report of my credit and wanted a mailed in request. Because my mail is not secure I do not desire a mailed copy and want an online report. Eqifax is denying me the option of an online report there for denying me the free annual report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam, I disputed XXXX XXXX in the month of XXXX 2016, for the amount of XXXX dollars, and after the due diligence of XXXX Credit Bureau ; it was removed on XXXX/XXXX/2016. 
XXXX had the same amount on my XXXX Credit report which was successfully removed on XXXX/XXXX/2016. 
Both accounts were for the same alleged medical bill. 
Today I noticed that XXXX XXXX, phone number ( XXXX ), reported an amount of XXXX dollars on my Equifax Credit report. This dropped my credit score by XXXX points. 
It is apparent that this is a shell game, I 'm not sure how legal this activity is. I would like this removed from my credit report immediately. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation