vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and 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 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 has lied and claimed XXXX different companies said something that none of them said and has refused to back up proof, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me by being mentally challenged. Give me a XXXX or 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my most recent Equifax Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Equifax to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a complaint via US mail requesting dispute/investigation with Equifax information listed in my credit report. Mainly to update the phone numbers listed in the consumer statement ( Fraud Alert ). The numbers have changes and I wanted them updated. 
I provided all the needed proof documents, ( Copy ID, SSN Card, Copy Phone Bill, etc ). 
I have not received an update on my mailed in request to update my information. 
I did however get a mailed statement from Equifax ( attached ) which states that they are adding a " XXXX '' statement to my credit report, and that it would remain in effect for 12 months. Plus they are notifing all the other credit reporting agencies ( XXXX XXXX, XXXX ) of " XXXX '' status added to report. 
This had nothing to do with my request. I am employed with XXXX XXXX XXXX was prior military XXXX years ago, and I am NOT on XXXX. All I wanted was the phone numbers updated on the Fraud Statement on my account. The NEW phone numbers should be XXXX and XXXX. I have NO KNOWLEDGE of any XXXXXXXXstatus to report for military service. Plus they are now adding it to all XXXX credit reporting agencies. So now they are no only in-correct in there reporting, but they are reporting incorrect information to other agencies. This is unbelievable!! 
These reporting agencies are total unaccountable for the mistakes and errors they impose on consumers. When you address this issue with them, please ask them to update what was request the " phone number for Fraud Statement '' XXXX and XXXXXXXXWhat can I do, as a consumer to hold the agency accountable. As a federal regulator and consumer protection agency. Making them correct what is wrong, does n't go far enough. 
A huge civil fine, putting a dent in the pockets of the company is the only to make change with these agencies. Yearly I pull my report, and each and every year something is wrong with the reporting. There mistake, not what a company reported. We need your help to correct this problem at all consumers face

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I took my husband 's last name & moved to his hometown when I got married XXXX yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuse to report my XXXX installment accounts. I have XXXX XXXX XXXX credit cards and XXXX XXXX XXXX auto acct and they are not reporting these paid accounts. I have contacted Equifax and they said they only report what 's given. XXXX XXXX states they have sent all of my acct info to Equifax. My credit score is low because Equifax want add these accounts. Equifax will report negative accounts quickly but wo n't report my accounts in good standing. They told me I couldnt dispute because the accounts must first be on my credit report. 

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Geeze, Seterus is really getting a jump on the complaints!!! Now I received notification they placed insurance on the home for 90 days for the sum of {$1500.00} which is insane on so many levels. First, they state their 'records show that your hazard insurance has expired ' which plain and simple, their records are wrong and they should have received insurance information from XXXX XXXX XXXX who received insurance information both in XXXX and around a month ago and both are well documented with the cfpb. Second, insurance for the home costs around {$1500.00} for the year, not 90 days so what kind of robbery is this!?!?! 3 ) Seterus as per a previous complaint still needs to back up and back off and for many reasons also noted in previous complaints. 4 ) As detailed with XXXX XXXX XXXX, Seterus needs to provide proper legal documentation as to why and how in the eyes of the law that I bound to their terms since the only legal document I have signed related to this loan was with XXXX XXXX. 

At this point I definitely consider that seterus has crossed the line with their threats and intimidation and when I speak to an attorney regarding XXXX XXXX XXXX, I will also discuss a lawsuit against Seterus as well because this simply is not the way things should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted a dispute regarding a collection listed on the report that was paid to the original creditor. The collection agency is stating the information is correct when it is not. I have submitted a receipt from the original creditor and it still is not being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There is and address in XXXX Arizona in my credit report and I never lived in arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had XXXX XXXX account deleted last month and just two days ago it was re-added back to my account. I have disputed this account provided the correct paperwork and Equifax keeps adding accounts not mines or deleted accounts. 

I have also added my ID since they do n't have a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I submitted a complaint with Equifax regarding inquiries that I do not recall authorizing. Equifax always answers with the same standard response that it is my responsibility to contact the creditor to address this matter. This is a TOTAL contradiction to Equifax previous actions because records will show that Equifax has recently removed inquiries from my credit report without informing me that it is my responsibility to contact the creditor. The following inquiries I request to be investigated. I also request for the name of the Equifax Representative that conducted the investigation and the name of the person of behalf of the Creditor they spoke to confirm that the inquire was legitimate. If it was determined that the inquire was legitimate I am requesting Equifax to send me a copy of the documents used so I can verify it 's validity. 

Please note that some of the same inquiries were displayed on my XXXX and XXXX credit report and removed. 
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 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 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to contact Equifax to place a consumer statement on my account ( s ) for several accounts. They told me I needed to use the online dispute process, which in turn sent out an electronic verification back to the creditors, and entered updated dates to files that have been sitting dormant for almost 6+ years. This not only KILLED my credit score litterally overnight ( from a XXXX to XXXX ) in less than 10 days - but they 've also messed up the accounts. Now, what was showing as XXXX negative accounts have jumped to XXXX negative accounts, some showing duplicate entries, others reactivating a long-since closed loan, showing that I 'm now 120+ days past due, and that I owe over {$230000.00} on that account. 

When I called an spoke with supervisors to have them fix the incorrect investigation and fix the errors on my file they claim the do n't have access to the file and that it would be illegal for them to make changes to my file. They then tell me to contact the creditor directly. When I contact the creditor, they claim that I need to contact the Credit Company and initiate a dispute. There is nobody anywhere within Equifax that is willing to take responsiblity for messing up my credit report, and now fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed account XXXX with Equifax several times. I have not had any success with getting this account removed from my credit file. This is not my account. I do n't know where this account come from. I was a victim of identity theft more than a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA XXXX. XXXX, XXXX XXXX US COURT OF APPEALS. Case XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ( XXXX XXXX. XXXX ). EQUIFAX refuses to conduct a reasonable reinvestigation and remove and/or inaccuracies even after being provided proof of the inaccuracies. Section 1681e ( b ) requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. Id. at XXXX ( quoting 15 U.S.C. 1681e ( b ) ). 

FCRA 623 ( a ) ( 5 ) States that the original creditor ( XXXX ) is required to accurately report the DOFD separately to the CRA ( EQUIFAX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. XXXX XXXX XXXX acted as was both the original creditor and collector for this account. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. This charged-off account became delinquent XX/XX/XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. I provided Equifax with an Original copy of XXXX XXXX XXXX Account History to support my inaccuracy dispute and Equifax still refused to correct the DOFD. 

Attached is copy of the Account History provided by XXXX XXXX XXXX, copy of EQUIFAX Investigation Report and a Certified Mail Receipt copy of my dispute.

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

Complaint narrative:
I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX, XXXX, XXXX XXXX XXXX Bank. I should not have any credit inquiries on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and XXXX is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that Equifax shows this account was included in our BK and that XXXX removes the lates from XXXX that are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a client of Equifax services for many years. Monitoring and credit reporting information which includes updates on credit score. On XXXX XXXX 2016, XXXX, a mortgage industry credit information provider, processed and verififed my XXXX credit scores from XXXX, XXXX and Equifax. All bureaus except for Equifax provided correct accurate information. Equifax provided using the same Fico score model as i there web page a score of XXXX in the report processed by XXXX and on there web page ( Equifax Web Page ) on the same date was reflecting XXXX. 
Equifax has been doing this same type of abhorrent behavior of reporting credit information and scores incorrectly for many years and have gone unpunished for FCRA violations I contacted on XXXX/XXXX/2016 Equifax with the letter provided by XXXX showing the XXXX score from Equifax and the information from Equifax own page as of XXXX XXXX credit score information reflecting over XXXX point difference. I hav been processing a financial transaction in the last 30 days so I have been monitroing my Equifax page every day for score and it has been XXXX-XXXX range during the last 30 days including XX/XX/XXXX-XX/XX/XXXX when the credit pull was effected. 
Today, XXXX/XXXX/2016, I spoke with Equifax representative and a Supervisor, both gave me the scripted answer provided to consumers who like me ask the correctness and accuracy of there reporting. Supervisor stated there is nothing he can do. This is not correct and the purpose of the FCRA is that companies and private enterprise do not abuse, cheat, lie or dupe citizens/ consumers as it relate to credit reporting ad financial transactions. 

I would appreciate your immediate action upon Equifax and that this company stops abusing federally protected consumers rights. Make immediate correction on my credit report history and score and reflect the same information as on there web page when providing information to credit information outlets fro financial transactions Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation