vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-28 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:
Responding back to EQUIFAX PER THE FCRA SECTION 609 THE LAW STATES THE REPORTING AGENCY HAS TO HAVE THE CONSUMER ORIGINAL SIGN DOCUMENTS ON FILE WHEN REPORTING ADVERSE ACCOUNT INFO THAT IS WHAT I 'M ASKING FROM YOU READ THE FCRA 609 IF YOU DO N'T CLEARLY UNDER I HAVE ALSO CONTACT MY ATTORNEY GENERAL XXXX XXXX TO GET INVOLVE IN THIS MATTER AND WILL FILE LAWSUIT AGAINST EQUIFAX AS OF FRIDAY I HAVE ATTACHED CERTIFIED MAIL RECEIPT OF WHEN I ASKED EQUIFAX TO SEND ME THE INFO THAT I 'M REQUESTING. THEY ARE IN VIOLATIONS OF THE OF THE 609 AND 611 FCRA SEE DATES OF CERTIFIED MAIL IN FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are XXXX hard inquiries XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied fro XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed XXXX accounts on my credit reports twice and Equifax has stated that they have verified the account with the vendors and it came back as verified. I personally called the vendor today and was told the company that they do not service student loans and are n't reporting any information to any credit bureau. Equifax has told me twice on XXXX separate occasions that they have verified the information on my credit report which is a lie. The companies in question are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I would respectfully like to file a complaint against XXXX XXXX XXXX I Never had an account with XXXX XXXX XXXX nor a credit card from such back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A dispute was filed but the issue was addressed XXXX XXXX 2016. A company XXXX reported the account paid in full and the account was closed. A XXXX XXXX with Equifax stated that thye company XXXX did not submit the updated information. I explained that I spoke to XXXX before calling Equifax and it was stated to me that all the credit bureau 's. XXXX XXXX again stated that no updated information was submitted to them. The account was paid off XXXX XXXX 2016 ; the letter was forwarded to me from XXXX XXXX XXXX 2016 ; and I spoke with XXXX XXXX XXXX 2016 before I call Equifax and XXXX told me the same thing '' We report to all XXXX credit bureau 's. '' Equifax failed to of chose not to make the changes to my credit report. And XXXX XXXX indirectly confirmed that. because the other XXXX bureau 's made the changes ... Equifax chose not to. This needs to be corrected now not in 30 days or 45 days. It should be addressed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Seterus, Inc. ( Mortgage Servicing ) company has added a INCORRECT recent chapter XXXX bankrutcy to my account and can not prove to me where it came from nor can they provide me with the paper work for when this was filed, etc. I have not filed a chapter XXXX bankruptcy with this mortgage company. I have called in XX/XX/XXXX and again in XX/XX/XXXX but being told that it takes time. No one calls back with any update and I end up explaining the situation multiple times to supervisors and persons in the bankruptcy dept. Please assist.

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

Complaint narrative:
Accounts have been paid & the original medical providers have verified to me that I am not in arrears with them as of XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v XXXX, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both equifax and XXXX both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.

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

Complaint narrative:
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the creditor agreed to remove my liability on this account on " XXXX. '' account : XXXX XXXX XXXX XXXX XXXX. why they do is playing with my credit, removed the collection from one credit report company and put it back in another. 
I call it and they do n't answer the phone or return your messages, same with the emails. 
hope they do better services to the customers and stop trying to collect money from closed accounts. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX is not able to pull my credit score from Equifax and Equifax is report the incorrect score to XXXX XXXX, where I applied for loan. XXXX XXXX show me a score of XXXX, which they got from Equifax and I pull my score from Equifax website which shows XXXX ... That score is directly from Equifax , so why did they send XXXX XXXX a score of XXXX. 
I also pull my score from XXXX which is powered by Equifax and the score is XXXX. I have attached pics from both sites for your review. I have been denied credit because of their mistakes and would like to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax continues to carry incorrect information. Multiple contacts. They do n't remove any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is regarding a judgment from XXXX Receivables that was discharged through bankruptcy from 2012 and still shows in my credit report. This should have been removed as this has been discharged. This is from XXXX Receivables.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I attempted to request a copy of my credit report through Equifax about a month ago. They got all my information and my older brother mixed where all of his and my stuff are showing up together eventhough the name, social security, and date of birth are all different. I spent over an hour on the phone with a manager by the name of XXXX, who promised to get it all corrected and will call me back in 24 hours. I never heard back and got busy with work. Today I get a notification that a negative trade line that belong to my brother got updated on my credit report. When i called again to attempt to get this resolved and almost an hour on the phone, i get told there was nothing they can do and i have to write to their dispute department. I am not an expert at the FCRA, but from my basic elementary understaning there are multiple violations that have been commited by the CRA and there has to be something that needs to be done. This is creating so much damages, emotional and material and preventing me to accomplish what i need. This is completely aheme that an organization as big as Equifax, specializing in accurately reporting information, ca n't seem to comply with simple basic law requirement. How many other people i wonder are having similar issues and simply dont know what to do or where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Describe what happened so we can understand the issue ... 
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Creditor is unlawfully reporting an account which is not legit not accurate on my credit report and refuses to cooperate with my request to remove it.

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 — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a US Bank XXXX XXXX credit card. The card has an annual fee that is not waived. The card at the time of collection of annual fee had advertised a feature called XXXX night free, so if one would redeem points for a night at a hotel, the subsequent night was free. The annual fee was justified with this perk. 

However in XXXX they abruptly removed this feature. They also refused uniform compensation for the said removal. Multiple people have claimed a refund of annual fee for the year and XXXX total points as compensation being given by US bank to them. Ofcourse I can not validate the veracity of internet statements, but I have no reason to believe these people are lying. However when I complained at first they just said sorry and offered no compensation. Upon prodding for compensation they offered a mere XXXX points. 

I understand that product features are subject to change, however when you remove XXXX of your most advertised and valuable perks from a credit card with an annual fee, the compensation to the customers needs to be relevant and in line with changes in product. I am also not happy to see no uniformity in giving customers compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am in receipt of a letter dated XXXX/XXXX/2015 from XXXX XXXX BANK. Paragraph one ( 1 ) states that credits score is one of the factors that they use in calculating an interest rate and have provided me with the credit scores they used in assessing my application. Credit scores provided are as follows : XXXX XXXX ( XXXX ) ; EQUIFAX- XXXX ( XXXX ) ; and XXXX ( XXXX ). Scores have increased since last week. However credit bureaus continue to report the same adverse key factors that were reported to the XXXX XXXX XXXX XXXX on XXXX, XXXX Bank on XXXX/XXXX/2015, and XXXX XXXX Bank on XXXX/XXXX/2015. Having reviewed each credit bureaus credit report, line by line, I find that information provided does not support these adverse key factors. I find it appalling that creditors continue to accept the credit bureaus information as gospel. Attached are letters that have been submitted to dispute these adverse key factors. The credit bureaus only responses to disputes are the credit reports which do not substantiate these adverse key factors. Customer does not have any say so in the decision making process. Why are these credit bureau allowed to dictate what a customer can or can not have?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This was put in bankruptcy and resolved.will send documents if need feel free to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX was previously deleted and now reporting once again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have had a mortgage loan with Sun Trust Mortgage for almost 10 years. In that 10 year period I was late only once with my payment. My interest rate is 6.8 % and I have tried twice to refinance with Sun Trust at a much lower rate. Both times I was told I did not qualify. I find it ironic that I do n't qualify when I have been making my payment on time for 10 years. I also have had credit cards with Sun Trust for years and I have never just made a minimum payment or been late. I have always been in good standing. 
Is there anything that can be done to lower my interest rate with Sun Trust? I have also been told by Sun Trust and XXXX XXXX that due to the fact that I have a conventional loan not connected to XXXX that I do not qualify for HARP. 
Thank you for any advise or help you may be able to give me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: CORELOGIC INC
State: TX

Complaint narrative:
I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I disputed charge-off information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX. This company refused register mail from my attorney, which I have retained to assist me in resolving the matter. However, company has electronically updated the information on Equifax results dated XXXX/XXXX/2016. I then contacted Equifax to re-investigate matter providing the company with refusal confirmation from USPS and letter from company. Equifax has refused to update information given the information that I provided. I have used all methods provided by Equifax to contact company including telephone number and mailing address. When I have received now response, I employed an attorney. I believe Equifax has violated the FCRA by not reviewing documents that I provided or even taken it into consideration of continuing to report items on my credit report. I did advice Equifax that I am in the process of purchasing a house, and its actions are adversely affecting me.

Company response to consumer: Closed with explanation