vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank have stated that the account info is mine. On XXXX XXXX, I called all XXXX banks and all XXXX states that the investigations were ongoing so no information had been reported to Equifax as of XXXX XXXX, 2016. I called Equifax after getting off the phone with XXXX Bank and they claim the companies did verify the information and had no idea why they lied to me. When I asked for the verification they received, I was told that was not how the process worked and then was transferred to a supervisor who then asked me if a fradulent address appeared on my report and when I answered yes, I was told I need to talk to the fraud department. I thought I had talked to the fraud department the whole time. How are you allowed to hold people 's lives in your hands?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is getting ridiculous. Equifax sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to Equifax, XXXX and XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Equifax to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Equifax has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a account that continues to report negatively to my credit that is not mine. It lists me as a authorized user, but stopped reporting XX/XX/2015. The company agreed to remove this from my credit report since it was not mine debt and sent me this in writing and verbal agreement via phone - but XXXX days later it still appears. Equifax is not updating their report or the company did not due as they are required. It is also reporting a late, which is not mine, which is negatively affecting my credit score, and ability to obtain new credit and qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I have a loan that is being serviced by Sertus ( XXXX ). I received XXXX statements with an adjustment of principal. I have been informed for the XXXX time that the company does not amortize mortgages, and as such, can not furnish me with an amortization schedule. If the individual is not making any additional principal payments, this would not be a problem. However, I do make extra principal payments, and by not amortizing the mortgage, the mortgagee will be paying interest on a nonexistent principal balance and will be overcharged as a result. I have attached the following mortgage statements. As you can see there is an adjustment of principal paid, but no adjustment to the principal balance. My work number is XXXX. My mailing address is on the statement. Please advise as to what action you plan to take with respect to the above. 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
I am unable to use annualcreditreport.com to get my one-per-year credit reports as mandated by law. Even assuming there is a valid reason why they are refusing to allow me to use the web interface, only XXXX provides a phone number for assistance. Both Equifax and XXXX are requiring that I send sensitive information through the mail which is not only a security risk, it 's time consuming, annoying, and, in my case, impossible. They are asking for documentation showing my current address, but I am currently living on a military base and have no such documentation. I do not pay rent or utilities other than XXXX Internet, but they are like most modern companies and send bills through the Internet. My driver 's license is base issued and also does not list my home address. Based on this, I am unable to order my reports and though I understand my situation is in a small percentage of US citizens, there is no justification why XXXX and Equifax do not provide a phone number for support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 



Although I have disputed " this '' item at least 5 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX - XXXX XXXX. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( XX/XX/XXXX ) 3. The Tradeline has an Activity Designator of N/A, and can not - as it is closed and has been closed since XX/XX/XXXX. Please update the Activity Designator to PAID/CLOSED 4. This account then, lacks it TRUE pay history for the duration of time in which it was open, AND IS Inacurrate 5. This Tradeline then lacks its TRUE balance history for the duration of time in which it was open, AND IS Inaccurate 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed It remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline.

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 — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I informed Equifax that XXXX - XXXX XXXX, XXXX, XXXX XXXX ( Account # XXXX ). Was a fraudulent account and I disputed this with the creditor and all XXXX credit reporting agencies. XXXX and XXXX deleted this item as they should. But Equifax keeps saying that this is legitimate and it 's not! I 've sent them multiple pieces of documentation informing them that this is a fraudulent account opened in my name and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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:
XXXX no longer serves its ' purpose, there is no way to easily get your credit report the way the reporting companies have set this site up. What a shame, a system meant to force private industry to be responsive to the consumers who information they make their profits off of, has been infiltrated by the reporting companies and completely neutered of any relevancy, a dnwe have the great folks in charge of regulating this at the FTC to thank. Thanks for doing your job for all American ( companies ), you guys really deserve a raise. ( Hint, the American citizen has been tapped out already, any raise you people get for doing absolutely nothing is going to have to come from your corporate overlords from now on. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I 've been trying to dispute wrong information on my credit report with Equifax and all they keep saying is for me to send them a copy of my driver license and my social security card, that was actually the only time i could get a live person on the line, the other times i tried to contact them the phone would automatically hang up and it wo n't connect me to them, today XXXX/XXXX/17 i tried contacting them and the phone call was redirected into a ads line where all they do is offer me products from their partners, i 'm tired of this process with them i do n't have any issues with any other CRA, i recorder todays call as proof of what i 'm saying is true. i got denied a vehicle loan because my credit came up as XXXX, all other agencies shows my credit number except Equifax, i 'm trying to buy a house and i 'm afraid that if they use Equifax it will also come back as a XXXX because of incorrect information on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
my name on my nys id is XXXX XXXX XXXX and in my equifax, XXXX and XXXX credit report show as XXXX XXXX XXXX XXXX XXXX and that is not correct my id says XXXX XXXX XXXX dob XX/XX/XXXX address is XXXX XXXX XXXX XXXX, XXXX, new york,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. 
2. XXXX has a scheduled payment amount of {$770.00} per month and the account states {$770.00} owed total. And XXXX charged off. 
3. The Date of the last payment is XXXX and the Date of the first Delinquency is XXXX. 
4. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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 has reinserted an account that was previously deleted from my credit file with no notification what so ever. The following account was previously deleted from my credit file over a year ago. 
XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$3300.00} XXXX/XXXX/XXXX CHARGE-OFF This account was disputed as fraud and a police report was provided and the end result was the account was blocked/deleted. Equifax has violated the FCRA by reinserting this account that was previously investigated and deleted/blocked. 

I have also disputed the following account with Equifax in the past month as not belonging to me and as being part of fraud : XXXX A Show Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$1900.00} COLLECTION ACCOUNT I has supplied Equifax with a copy of a current police report, and an identity theft affidavit, but Equifax has refused to comply with the FCRA Section 605 B by using the police report and the identity theft affidavit and removing/blocking the account from my credit file. Equifax sent me a letter telling me that they were not going to comply with the FCRA and were not removing the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is giving false and inaccurate reports on me. I have continuously made complaints with proof to Equifax false reports that are causing me Financial harm and creditability. They are taking another person with a similar name to mine and applying it to my social security in part. They have me living as my current address at XXXX XXXX XXXX , XXXX, XXXX. I sold that home in 2006 and have lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. They also show my residences during that period XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ... all false. I am a Veteran and use the VA medical facilities in XXXX XXXX for my follow up from my XXXX. I had an emergency and was admitted to XXXX XXXX in XXXX XXXX. The hospital was specifically instructed to send all bills to the VA for payment. The hospital ignored my request and went to Medicare without my permission. So did the other medical bills as instructed by XXXX XXXX.The Hospital received payment from Medicare but not the others for payment. If they went to the VA, all would have been paid in full as I instructed. XXXX Government agencies will not pay in part for the same procedures. I physically went to the Hospital to complain and was ignored about refunding the amount they received from Medicare so everyone including them would receive full payment. These charges to Medicare were unauthorized and in part returned which I am being hounded for. I complained to Medicare to no avail and can not be responsible for these unlawful charges made by XXXX XXXX and vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that XXXX. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX XXXX XXXX ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX XXXX and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX XXXX Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, Please view case numbers : XXXX and XXXX for CFPB. I have been trying to get Equifax to remove this incorrect information off my credit report for over 8 months. This has stop me from buying a house and applying for credit. Now, I have a letter from " XXXX '' stating my identify stolen and this could have taken place far as XXXX years ago. I have medical charges on my credit report which are not mind and Equifax refuse to remove them. In addition to an old account dated back in 2006 for XXXX # XXXX that is not mine and showing I 'm late and dropping my credit score to a XXXX. This score is a XXXX point off the other agencies ... How is that? I have sent Equifax the police report, but they are above federal law and keeping people credit score down to sell information to inflate interest rates. Please help me and investigate why Equifax will not remove these negative accounts off my report : XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX have attached supporting documents. Also, I will allow you to review my credit report. 
Thank you in advance! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief