vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
about 2 months ago, I filed a dispute with all XXXX credit reporting agencies concerning old reports that needed to be removed from my report. XXXX item concerned a bank loan which I was behind on, which was reported on XXXX/XXXX/XXXX. this is well over 7 years ago, and was paid in full in XXXX. Equifax and XXXX removed the item. XXXX DID NOT.. also all XXXX agencies were reporting XXXX delinquent child support accounts that were reported on XXXX/XXXX/XXXX. I filed a dispute with all XXXX agencies about the child support report being 14 years old and told them that according to the XXXX fair credit reporting act ), that they could only report this : XXXX quote ), for 7 years after the date of the last scheduled payment before the account became delinquent. ( unquote ). XXXX and XXXX removed these 14 year old reports. Equifax DID NOT REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
I have a mortgage loan with Seterus , Inc . In approx XXXX of 2015, my workload ( XXXX ) was decreased by more than half. This decrease took my paychecks from approx {$1300.00} down to approx {$400.00}. I fell behind on my mortgage payments. I called Seterus and explained the situation and was told that they would work with me to keep from foreclosure. I received a delinquency notice dated XXXX XXXX, 2015, which listed the months for which I owed and the status. The letter showed that the XXXX 2015 payment had been made on XXXX XXXX, 2015. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. I secured a full-time job and, on XXXX XXXX, 2015, made the payment for XXXX. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. My plan was to make a payment XXXX a month until the loan was brought current. On XXXX XXXX, 2015, I made the payment for XXXX. This WOULD HAVE made me delinquent XXXX months XXXX XXXX, XXXX and XXXX XXXX. That payment was returned to my bank because of " the status of my loan. '' When I called to discuss the matter with Seterus, I was told that they did not accept partial payments. I was told that the only payment that would be accepted on a delinquent loan would be the full amount owed. The payment made on XXXX XXXX for XXXX would have been considered a partial payment and they accepted that payment ... .why not the XXXX XXXX payment?? Today, I received foreclosure papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Has Blocked My Credit Report My Credit Report is in the Equifax cunsomer affairs department i hired XXXX XXXX to handle my credit report i pay them $ XXXX Month Equifax has blocked my credit report from everybody XXXX XXXX, XXXX XXXX, XXXX everybody has told me my credit file has been blocked for 4 weeks now thats a month i paid XXXX XXXX to handle my credit report the have a contract with equifax so why my file is blocked i do n't understand i ca n't see my credit report online no more or nothing my credit report is blocked from everybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Equifax here are the detail of the hard pull inquiries which were not authorized : 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/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter Business Service, Inc.
State: MA

Complaint narrative:
i have a son XXXX XXXX XXXX years old that get this bill front XXXX hospital in XXXX/XXXX/XXXX, my son move out my house and dont pay this bill, now they try to make me to pay this bill, puting this one in my name went i never was that bills responsable.. 
they send this bill in my name, now XXXX/XXXX/XXXX this collections agency try to get the monney front me, until my son is the respomsable for this bill..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
the company have received the identity verification documents and has closed the account and no longer reporting but Equifax continued to report negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The reason I have not disputed the issues is because of Equifax 's continued inefficient and biased processes and policies, I have been unable to do so. I 've attempted several times going through the web address given on my credit report, but it 's either down or unresponsive. The other issues I have are the continued misinformation that Equifax provides ; such as the following accounts status should show Bankruptcy Discharged : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX Bank ( which also is showing that I am " Deceased '', which I have submitted a dispute for last year, this is ridiculous ). Also, Equifax uses/adds negative words in the " status '' of accounts that are positive, such as, XXXX accounts of {$3200.00} ; {$2700.00} ; and {$2500.00} should not read " Sold '', but Closed/Never Late. The negative wording used by Equifax is given more power due to the fact that they fail to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of the agency. I suggest termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Inquiries on credit report disputed and XXXX did not provide proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Car loan with XXXX XXXX XXXX is reporting monthly late remarks after being approved for a loan approve extension. Account should not be reporting as late on credit reports. Also late fees are still showing, and were to be added to the loan extenstion. And I am continuously robocalled numerous times a day about making a payment when my account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are multiple addresses listed on my report that I have absolutely no knowledge of. I suspect identity theft and request all addresses other than my own on my report, be removed.

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

Complaint narrative:
XXXX Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been for a month trying to work with equifax because I am paying for monitoring service and not able to update my report. I continue to get a fail code in which I am going to attach a copy of the code. I have been on the phone with personal solutions and they have been no help. I can not continue to pay for a service that I am not getting the benefits. On top of this my credit file is locked and i can not unlock my file either. I need this resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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 XXXX/XXXX/2015, I submitted a dispute online with Equifax to update my credit report that I paid an original creditor in full on a collection listing showing on my credit report. I also sent a letter dated XXXX/XXXX/2015 informing them of the same information. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of the payment is XXXX. Upon checking status of my dispute on XXXX/XXXX/2015, Equifax has updated the collection listing to show that the collection amount was 'Paid/Closed ' through the collection agency. I did not pay the collection agency, XXXX XXXX XXXX, I paid the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been a victim of identity theft. On XXXX XXXX, 2015, I paid a fee for a full " security freeze '' on all XXXX credit reporting agencies. XXXX, XXXX & Equifax. I was contacted on XXXX XXXX, 2015, by an online retailer calling my home phone to verify an application for credit, since they were able to veiw my credit report and saw there had been a fraud alert placed on my information, to a company called " XXXX '' ( several weeks after I had paid for a full security freeze be placed on my credit accounts ) The online retailer was able to access and view my credit report via Equifax, even though I have paid to lock down the viewing of my reports by any thrird parties. I have made several attmpts to contact the Equifax agency, and have not been able to speak with any company representative. All phone numbers lead to automated services or refer you to go online. I have been unable to find out why identity thieves are still able to apply for lines of credit even AFTER I have FROZEN all XXXX agencies credit reports. Thank you for you time and helping me with this very serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, Equifax , and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently received notice from XXXX of my creditors that their systems had been breached and my information may have been compromised. I attempted to utilize Equifax 's website to put a 90 day fraud alert on my credit file. I was easily able to do this XXXX without any issues. Equifax is demanding that I send them XXXX and all sorts of documentation of identity. This does n't make any sense. Why would they make it more challenging for me to protect myself from fraud? I just closed on a house a few weeks ago. I have none of the documents they want. I insist that they put a 90 day fraud alert on my credit report at once so that I can protect myself from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
There is a hard inquiry are on my files from the XXXX cable in XXXX XXXX XXXX I went to return there equipment like a box for the cable on XXXX/XXXX/2016 That is why I 'm writing to you guys any way can remove because I did n't apply for a cable I was going to return there cable but they pull my credit for it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: CA

Complaint narrative:
allowing companies without my permission to pull my report

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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. XXXX has now updated and deleted the outdated information ..XXXX and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a tax lien that should not be reporting on my credit file to Equifax over 90 days ago. I still have not gotten a response on my dispute and they continue to report the erroneous tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Recently I have applied for an apartment, but have been declined due to wrong information in my Equifax file. There should n't even be an issue to begin with since I just turned XXXX and have yet to start establishing credit. So I called them to resolve the issue. They told me to fax them a copy of my Social Security Card and Valid ID so I did. They informed me it would take 48 hours to update. I called a day after it had been 48 hours to give them plenty of time to update my file. They then informed me that they have received my fax with my information, but have yet to update my file. Also, that specialty department that will update my information does n't take calls on Friday so I now get to wait until Monday to call them yet again since nothing has been resolved in the time frame they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent Equifax a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As per the creditor XXXX and the credit reporting agency ( Equifax ), I 've waited 60-90 days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had my wallet stolen from me a few years ago an I found a lot of credit inquiry an accounts that are not mine .an it 's very difficult for me to acquire credit.pleas have all the credit inquiry information removed .thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX XXXX, XXXX XXXX, XXXX XXXX.EQUFAX FORMER CONFIRMATION XXXX. IS INVALID XXXX REPORT # XXXX FORMER YOUR REFERENCE # XXXXXXXXALL XXXX HAVE XXXX NAME XXXX XXXX XXXX THEY NEED TO HAVE ALL REMOVED ESPECIALLY XXXX AND XXXX HAVE NOT REMOVED THE XXXX XXXX XXXX ACCOUNTS WERE CLOSED IN XXXX, VA, BY THE FTC.., AND I ALSO WANT ALL TREE TO LOCK BY CREDIT REPORTS TO BE BLOCKED. RESPECTFULLY. THANKS, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In 2012, I disputed incorrect information that appeared on all three of my credit reports. Equifax conducted an investigation and removed the record from my report. The FCRA requires that Equifax , in this situation, contact the other bureaus and tell them to delete the information from my record. This was never done. About three years later, the deleted information was reinserted into my credit report.

Company response to consumer: Closed with explanation