vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
A name that is reported is wrong. The wrong name is XXXX, XXXX, XXXX. My correct name is XXXX XXXX XXXX. The address reported is wrong. The wrong address is XXXX XXXX, XXXXXXXX. The correct addresses are XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove XXXX, XXXX, XXXX and XXXX from my reports. I have never used that name or lived at that address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to list the dismissed my Chapter XXXX bankruptcy that was dismissed in XX/XX/XXXX as confirmed within my credit file. XXXX and XXXX removed the Chapter XXXX from my credit report in XX/XX/XXXX, 7 years from dismissal date. I called Equifax 's customer service and spoke with two different associates located in XXXX. They explained that their policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years in keeping with the Fair Credit Reporting Act. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I want this bankruptcy removed from my Equifax credit report as I am being denied credit and paying higher interest rates on credit cards and car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I had a Judgment against me on my public records. The court had entered it wrong so I went back to court and had it fixed. The Judgment now shows Dismissed. So after that I disputed it with Equifax. I sent them a copy of the court record the Judge her self gave me. They as in Equifax said that the copy that sent them was not Legit so they could not take it off my credit report. I than called them and told them that is the exact paper the Judge had gave me. They said that would not work, so I told them to look up on me public records where they get that info from and see it has been fix. The gentleman/supervisor said there is nothing he could do about it and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchased a home. I have never had a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
SETERUS took over my loan last year. It has been an awful transition from day XXXX. I have sent payments that they confirm receipt of, only to find that they process them late.. which caused late fees on my bank accounts and at the company. They made corrections after proving to them that more than enough funds were available at the time of their confirmation of receipt of payments. They corrected themselves by waiving late fees that they applied after they reviewed my documentation. These forms include bank statements and notifications. Now I have had some serious changes with my finances, resulting in me having to ask for a modification. I have submitted all required documentation via XXXX ways which include through fax, through email and through regular XXXX mail. I have not heard anything and it has been over 45 days since those forms were sent. My entire family lives in the home and needless to say I am NOT comfortable not being able to pay the mounting balance that is occurring. I am saving all that I can and paying the utilities. I am unable to log into my SETERUS account online, because the site is down. Their customer service is not open on weekends, which is when I am able to contact them mostly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Equifax. This collections company has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. XXXX and XXXX have removed this item because of failure to respond. Despite this, Equifax continues to " verify '' the account after repeated disputes, and has not complied with 611 ( a ) ( 7 ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA 623 violations. Equifax even went so far as to remove my current address from their records after making requests for method of verification, saying that they could not honor my request because my address did not match their records. Yet, all of Equifax 's correspondence with me is to my current address. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is letter from Equifax stating my contact information no longer matched in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent credit inquiries listed on my Equifax credit report. The following inquiries credit inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
1 ) My spouse and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My spouse and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my spouse and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with WF b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) reply from XXXX XXXX XXXX ) All we are asking is for the XXXX account to show a zero balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX 's sales and lease sued me in small claims court and was awarded a judgement against me. At some point they sold my account to a dept collection agencies and they received the money from me. I have contacted the collection agency and they are mailing me the form stating that the accounts are paid in full and closed. But when XXXX 's filed their complaint the total amount does not match what I paid in full and they also labeled the account as medical which is not true. I tried contacting them on several occasions so I could get the original amount so I can prove to the court that the dept is paid. I have gotten wrong numbers and out of service numbers and answering machines. I Have left messages and no one has contacted me as of yet. This judgment is preventing me from buying a house. I do n't know what else to do if they do n't respond back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a request to Equifax, asking them to investigate errors on our credit report. My wife received a timely response to the request, but Equifax has not sent me the results of my investigations. It has been 45 days already, and I have yet to receive any word from Equifax regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this company has kept XXXX of my accounts in dispute for 14 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
reporting late pymts, where is in error

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had investigate XXXX XXXX XXXX XXXX credit card. After 30 days of this creditor being investigated through Equifax the item was deleted. I just check my credit reports through XXXX XXXX and it 's showing New Accounts Reported Since your last update on XX/XX/XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported ByXXXX XXXX XXXX XXXX XX/XX/XXXX {$25000.00} $ XXXXEquifaxXXXX/XXXXCredit CardXXXXN/A $ XXXXEquifax These accounts were deleted!! #

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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:
XXXX is unable to VIEW MY CREDIT SCORE WITH EQUIFAX!!! ' This is still happening after they stated it was not a problem. The dealer is using dealer track and I 'm not showing a score it is coming up as XXXX. Per the free report I just received from equifax my score shows as XXXX. How is this that no companies can view my Equifax score? I NEED FOR MY SCORE TO BE VIEWABLE WHEN I GIVE A COMPANY PERMISSION TO RUN MY CREDIT!!! It should not show as XXXX. This is ridiculous that it still has not been fixed and I have been going back and forth with them SINCE XX/XX/2016. PLEASE I NEED HELP OR I NEED THE PRESIDENT/CEO FROM EQUIFAX TO CALL ME DIRECTLY TO EXPLAIN AND CORRECT THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
If all the dispute have been settled! Who is responsible for correcting my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Placed a security freeze on my Equifax credit report on XX/XX/2015 via phone ( XXXX ). They billed my XXXX XXXX credit card {$10.00} for this on XX/XX/2015. ( Technically, this should have been free since I am over XXXX yrs. old -- this according to their written info. ) Was provided a pin # & confirmation # at that time & told that I would receive written confirmation of such. To date ( XX/XX/XXXX ) have not received it. Written statements on an earlier-received credit report ( in XX/XX/XXXX ) note that written confirmation of a security freeze will be sent within 10 business days of the request. 
I had to use you last spring when I had not received a requested credit report from them after 4 or 5 weeks when it was supposed to take 2 to 3 weeks to receive such. This is the only credit bureau ( of the XXXX ) that I have problems with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I just had a collection account from 2013 show up on my credit report from some first federal credit and collection. this would have been include in my XXXX ch XXXX discharge. but I want it taken off my report since they just put it on my report 3 years later if it is not deleted of my credit report I will be seeking legal action against first federal credit and collection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX Equifax issued the results of my dispute concerning erroneous information reported in my credit file. My report was updated as a result. Today I discovered that the false information had been re-inserted in the file, a fact I only learned because I received a letter from XXXX ( my credit card company ), advising me that as a result of reviewing my credit report with Equifax they took advserse action as to my standing and reduced my credit line ( essentially down to the existing balance amount ). Equifax acted illegally because I was not provided 5 days notice of the re-insertion ( which they have also failed to do in the past ) and because the information is false. The XXXX account in question was forgiven in XXXX and reported to the IRS on a XXXX as income to me as a result. It appears that the account has once again been re-aged for purposes of updating the negative reporting ( shows XXXX ) which is also illegal. Moreover, the law states that if the account can not be verified it must be deleted, which Equifax appears unwilling to do as it is required. I am attaching the following documentation : 1 ) the entry of XXXX in my report as it is showing today, 2 ) the XXXX from the XXXX forgiveness, 3 ) the XXXX/XXXX/XXXX Equifax dispute results, 4 ) the entry of the XXXX account on my credit report as of the XXXX/XXXX/XXXX dispute results and 5 ) the list of creditors, from my report as of today, which have done an account review when the false information was included in my report and depressing my credit score ( this include XXXX 's which too adverse action and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed the response from Equifax on my first complaint ( # XXXX ). I requested that my personal information be corrected and the formerly known as and addresses be deleted because it is crossing information on my credit report. If you review my case, you will see I submitted my request on XX/XX/2016, Equifax response, and my proof of identification. Their response did not have anything to do with my complaint, and now I am requesting another complaint against them improperly updating my personal information. Since then, I did receive another letter from them updating my legal name but still have me incorrectly formally known as and previous addresses still incorrect. I have attached the new case number and proof of them still not correcting my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX XXXX, NA Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax continues to report an account ( XXXX Account # XXXX ) on my credit report that I have requested several times to have deleted since it does not belong to me. I had also attached to my investigations with Equifax as proof an original letter from XXXXBANK which whom is the original furnish-er of this account that they would delete this account since it does not belong to me. Equifax with proof from the original creditor keeps saying this belongs to me? 

-Attached is original letter from XXXXBANK-Attached is XXXX separate dispute results from EQUIFAX

Company response to consumer: Closed with explanation