vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Back on XXXX XXXX, 2015 at XXXX I turned in all my cable equipment which I have a reciept for to XXXX. I am in the process of buying a house and today XXXX XXXX, 2015 my credit score was pulled and it showed a collection from XXXX XXXX XXXX XXXX for the equipment on all XXXX credit agencies. This dropped my credit score from XXXX to XXXX which is preventing me from buying my home. I am asking to please have this removed from my credit report immediately for it should have never been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After submitting all documentation and the debt collector for my identity theft case sent a letter, equifax still will not remove all of the fraud information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
my ex husband and his lawyer sent a subpoena to my mtg company for my application, payment history etc and seterus gave it to them, this is not a court order just a request from my ex husband who is not on my loan and never has been the home is in my name only and bought before we were married, my ex husband now has all my personal information and mtg information this was given to him in XXXX 2015 I just found out he had this information because he used it in court for our divorce / custody battle we have now. I do n't think he has the legal right to this information and that seterus committed third party disclosure of my info. had a court or judge ordered this I would understand but none of that was done. even the judge was shocked he had this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I can not get my free annualcreditreport even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my annualcreditreport and I am seeking information on how I can get this report from all XXXX credit reporting company 's. By the free annualcreditreport.com which I believed to be associated with the United States Government under Federal Government approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
We have closed the collection with XXXX group and paid the bill in full on XXXX XXXX, 2015! We have contacted the company and they still have not taken it off of our report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax refuses to give me my annual online report, while XXXX and XXXX had no problem giving it to me. Equifax says " can not deliver your online report. ''

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a credit card that was stolen and file police report gave case number to Equifax back I XX/XX/XXXX and the XXXX account was remove from my credit file. XX/XX/XXXX the XXXX account reappeared again on my credit report after 6 years. They can not just put anything they want back on my credit file. Also I have no missed payments or collections or public records and I was denied credit for serious delinquency. I contact Equifax who verified that I do not have any delinquencies but XXXX has denied me a credit line increase due to Equifax reporting as per letter I received. I am being block credit when I have good credit XXXX score. I want Equifax investigated they told me to have XXXX call their Business off ice to straighten this out. why is the business office involved with my social security number. This is a violation of my civil rights and corruption. I want all my information at Equifax updated and correct in the business office files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax shows a Federal lien in the amount of {$1400.00} that has been withdrawn by the XXXX. I have submitted the paperwork from the XXXX showing the withdrawal on XXXX separate occasions. Each time Equifax claims to have verified the lien. This is not possible as I have a copy of the court recording and have verified again with the XXXX that were are absolutely no liens that were not withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I contacted Equifax more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than XXXX years, but XXXX XXXX refuses to report the change to the credit bureaus, and Equifax refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Equifax, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Equifax. I am filing separate complaints for Equifax, XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried several times, since XXXX, to get a copy of my detailed credit report from Equifax, to no avail. With the help of the CFPB ( thank you! ), I did receive printed copies of my credit reports from XXXX and XXXX. 

I am the victim of major identity theft. I did place a fraud alert and security freeze on XXXX and XXXX with Equifax. Equifax kept insisting, both over the phone and by mail, that I lived in XXXX, CA ( where I lived over XXXX years ago ). I kept telling Equifax that I have lived in XXXX, CA for nearly 4 years ; I gave them my current XXXX, CA address. 

Equifax then sent me a letter, received XXXX, stating that on or about XXXX, a " change of address '' had been processed for my account, changing my address back to " XXXX XXXX XXXX # XXXX XXXX CA XXXX. '' Equifax changed the address back to XXXX even though I had a security freeze and fraud alert on my account. 

When I protested the change of address, Equifax said that I needed a letter from my former XXXX landlord, stating that I no longer lived there. The XXXX XXXX, which owns the XXXX apartment complex, then said they could find " no record '' of my having ever lived there. I actually lived in that apartment complex for nearly XXXX years. I did find an old driver 's license ( in an old purse ), with the XXXX address on it. I also found a copy of an old XXXX XXXX lease. The XXXX XXXX XXXX complex stated that they had a new computer system, installed in XX/XX/XXXX, and that they had no tenant records prior to XX/XX/XXXX. The assistant manager of the XXXX XXXX complex provided me with a letter that said, " no record '' of XXXX XXXX having lived there. 

And so, I sent Equifax, via overnight mail XXXX, a copy of the XXXX XXXX XXXX XXXX, a copy of a gas utility bill with my current XXXX, CA address, along with a photocopy of my Social Security card. I also sent Equifax a letter, once again requesting a copy of my credit report as soon as possible. I also requested that all reports and correspondence be sent to my current XXXX, CA address. 

I explained to Equifax that I am very concerned that the current tenant at " XXXX XXXX XXXX # XXXX XXXX CA XXXX, '' or perhaps a prior tenant, accessed some of my mail and personal information. Who else would have changed the address back to XXXX XXXX XXXX in XXXX? As a precaution, I re-forwarded all of my mail from the last XXXX years to my current XXXX, CA address. 

I have completed my City of XXXX Police Department Identity Theft Affidavit, and will be meeting with them this week. I also will send a copy to the XXXX of XXXX Police Department. 

This has all been exhausting, and frustrating. In addition, I am taking care of my mom, who has XXXX XXXX. Any assistance from the CFPB would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not XXXX as inaccurately stated and reported by XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I contacted Equifax by phone on Thursday, XX/XX/XXXX, and today, Tuesday, XX/XX/XXXX to dispute my Chapter XXXX dismissed bankruptcy I filed XXXX over seven years ago. 

I requested " verifiable proof '' by Equifax. I am entitled to the " verifiable proof '' by Equifax under federal law. The agent with Equifax , stated today XX/XX/XXXX, that they have no " verifiable proof '' as to why they are still reporting the Chapter XXXX, and to legally report my bankruptcy for three more years. I requested with the agent to have Equifax mail me a letter in writing, stating that they have no " verifiable proof '' to report this bankruptcy for 10 years. The agent hung-up on me today, and the first time I called on XXXX XXXX, the agent also hung-up on me as I was giving the agent information on my file to dispute the bankruptcy. 

The credit bureaus do not tell their consumers that their is a federal law which requires them to have " verifiable proof '' to report bankruptcies past the reporting period, and to provide that information to their consumers if it is requested by the consumer. My Chapter XXXX has been removed XXXX two months ago, but Equifax has a policy to report Chapter XXXX if it is dismissed up to ten years. 

Equifax needs to now remove this bankruptcy from public record on my Equifax file if they do not have " verifiable proof '' to continue reporting this bankruptcy under public record. I am retired senior, and I can not obtain financing to borrow funds to have needed dental work done due to this bankruptcy. The reporting by Equifax is still casting a dark shadow on my credit, and I have patiently waited over seven years for good credit so I can borrow funds if needed. Equifax does take into consideration that they play with people 's lives when it comes to their credit. 

Equifax needs to remove the Chapter XXXX from my file, or have them provide me with " verifiable proof '' that they do have a legal right to continue reporting this bankruptcy, otherwise, if they can not support the documentation, they must stop reporting the bankruptcy, and delete this information from public record on my report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I filled Bankrupsy XXXX. All negative items were include in Bankrupsy and were discharged through the Bankruptsy over 5 years ago. 
On XX/XX/XXXX I ordered a Credit Report from Equifax. All negative items which were discharged, appears with CURRENT status as " Included in Bankruptsy ''. 
Even I had the Bunkruptsy, the correct CURRENT status is " Bankruptsy Discharged '' or " Discharged through BankruptsyChapter XXXX '' for all negative items. 
I have discused these incorrect statuses with Equifax twice. 
On XX/XX/XXXX I receved another investigation results from Equifax. There were no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX worked with me and updated my file to current status, yet Equifax keeps reporting inaccurately. Every time I file a dispute with Equifax, this company either update as being reported correctly or find other ways to decrease my scores. Other reporting agencies seemingly take the matter serious whenever I file a dispute because they either update or removed. Equifax is currently reporting items that are passed the time frame that items can remain on file. I would like for you to review my entire credit files for accuracy.

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

Complaint narrative:
I settled my account with XXXX XXXX eight years ago and Equifax still reports my credit score with this account as a negative. Can this be reported? 
Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
1st issue -- Their website 's is impossible to log into. I believe this is intentional. 
I have done everything asked of me -- over and over again. 
2nd issue- I sent a XXXX check at the beginning of XXXX 2016 for an appraisal ( needed to get rid of my pmi ) No response from Seterus 3rd issue-I would like to know if a lien was dismissed when I filed for bankruptcy several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The issue involves Equifax reporting agency with them deleting information from my report and said that it was deleted but I did not initiate the dispute I have attached a letter of complaint to this issue it has been attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has not removed a fraudulent XXXX/XXXX account from my credit report even though i have filed a FTC Identity Theft Affidavit/Report ( OMB control number XXXX, FTC reference number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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 been spending countless hours making phone calls and writing to Equifax credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This agency ( Equifax ) has continued to report inaccurate information on my Credit File. They continue to report XXXX 90 days late payments of XXXX of my student loans serviced by XXXX XXXX. i have disputed this on numerous occasions but the agency claims they carried out a thorough investigation and found the reporting accurate. That is impossible. please review the attachments very carefully. I have never been late on these accounts, In the attachment you can see that i was never late in any of the prior months before and following months after the stated 90 days late payments. It is impossible for me to be 90 days late if i was never late in any prior months or months after the date claimed by these agency. I have called numerously to the bureau as well as the Company servicing the loans, despite all the evidences provided that shows that these company and Equifax continue to report inaccurate results on my report, they have refused to remove the late payments. This is a violation of the FCRA and by law they are required to remove both late payments on all the XXXX loans reported by XXXX immediately. I request this be removed from my file immediately. If this is not removed in the next 5 days, i will be forwardind all evidences to the Maryland State Attorney for further actions against Equifax for failure to comply with the FCRA. I will also take legal actions against Equifax and they will be liable for Defamation as a result of false reporting, which has prevented me from successfully obtaining a mortgage for my Home purchase for my family. Once again, review attachments carefully and delete both late payments on the XXXX loans immediately.

Company response to consumer: Closed with explanation