vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-21 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 EQUIFAX has ignored my numerous request to provide me with the documents that their company has on file that was used to verify the accounts I daisputed being that they have gone past 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. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
A third company party company gave me false and misleading information. They misrepresented my family size. They told me they would pay off my loans and they would no longer report on my credit history. Also they told me that their fee would not report on my credit. Which it is and is hurting my credit by showing as it is a credit card that is over maxed out.When I tried to discuss these issues with XXXX they directed me to the other XXXX ; I have multiple times tried to reach the company with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX has a collection on my credit files from a debt that is outside federal obsolescence and that has been cancelled by XXXX. When I contacted XXXX to discuss the debt they said they could not speak to me about it as the debt was cancelled. They sent me a copy of a XXXX showing cancellation of the debt. 

This is a violation of my rights under the Fair Credit Reporting Act. XXXX can not report an active collection balance for a cancelled debt that I am unable to even discuss. I have attached a letter that I sent to XXXX along with their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Mortgage Account Duplicated on Report, Duplicate is Zero 'd out Sums, and posted a negative hit to my credit rating, there have been Letter Requested to up date, However Equifax Has not responded, XXXX Has corrected the initial issue. 

XXXX Accounts are the same Account #, Also The Reporting is out of date, Attached as well is latest information from the Mortgage Company on what I owe, XXXX, XXXX, and XXXX are all already paid. XXXX paid on XXXX, XXXX Will Be Similar as will be paid last week XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit, furthermore, I am a client too, because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or, they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm, but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent, because they are too lazy to do their job. 
3 ) In what I believe to be a retaliatory strike from earlier complaints, Equifax removed my positive credit history along with the fraudulent accounts! 

I thank you your department for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I filed a dispute with Equifax , saying that a XXXX XXXX account was reporting as a charge-off, when it should be reported as included in bankruptcy. I uploaded documents showing concrete proof that the XXXX XXXX account was included in bankruptcy, yet Equifax refused to correct the error. 

I 've attached the documents : one showing that in XXXX the XXXX XXXX account was included in my bankruptcy. The second is my Chapter XXXX discharge form in XXXX, showing that my bankruptcy case had been discharged. I do not understand why Equifax dismissed these documents, when they CLEARLY prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My " unconfirmed '' Chapter XXXX was dismissed. 
I changed my mind and the attorney cancelled my case. 
Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In correct information of my credit report including a number and fraudulent accounts open in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, phone numbers, and the erroneous names in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
My ex-wife made deals with originator and real estate agent to obtain money or credit from my home I purchased XX/XX/XXXX. It appears she received XXXX written approvals XX/XX/XXXX and XX/XX/XXXX via XXXX XXXX. I bought house thru XXXX in XXXX, WA. Apparently my wife tricked me and filed false information to obtain Gov program loan in XX/XX/XXXX. I apparently was tricked some time in XX/XX/XXXX or about year prior as I was told my signature is on page. Then records show anther XXXX loans with XXXX then sold to Setaris. Not one time have they acted in good faith or give me any records. County records show dates different than originals discovered. I also discovered this group involved in many more and I paid all of them as well as massive closing costs, lost escrow money and apparently this multi state group also sold home to themselves as it looks like forgery on older home I sold. I am forced out of home after wife put squatters in and then moved back in getting embellished restraining order that also keeps me from offices at home to run businesses. Everyone is playing games and last contact Setaris lied and said new address had forclosure sent. This has been told to me sense XXXX XX/XX/XXXX yet never any official document sent to my PO Box . I have been discriminated against in every way and lied to repeated times and now threatened to drop issue and lose XXXX home when I was trying to sell it. This is strong arm that has other issues as well. The big thing is real estate lady is family who now has XXXX homes and my ex wife who did n't work juggles more and transferred titles yet legally was XXXX for 17 yrs. I wrongly lost hundreds of thousands over the years starting in XX/XX/XXXX with XXXX XXXX loan, XXXX with XXXX XXXX Bank, XXXX with XXXX, XXXX with XXXX, XXXX, XXXX XXXX loans and XXXX XX/XX/XXXX. Its crazy as I also had all profits, down payments and more stolen in between. How can they break consumer laws and just lie?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1 ) None of the XXXX agencies will provide my report. 
2 ) XXXX XXXX XXXX ; I have XXXX fraudulent open collection XXXX. 
3 ) Degrotry collection from the XXXX XXXX child support, there is no balance and was incorrectly reported. 

Unable to dispute due to inability to access free credit report. 
I am a XXXX for 18 years ... I decided not to utilize my credit ... so there should be little to no activity ... 
Thank you ... 
the attached screenshot shows the suggested phone number ... .which is not active. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It shows i have not paid the bill but i have

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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 tried to get my free annual credit report from Equifax and they asked me questions which do not apply to me and apply to another person that Equifax keep associating with my credit file. Every year I have to complain and fight and file a law suit to get my credit report from Equifax and then the information is incorrect and I have to spend most of the year fighting to get it corrected. Then a few weeks go by and Equifax again add wrong information to my credit file about another person. This is affecting my credit and my employment. The questions they asked me are Do I have a mortgage taken out in 2009? which I do NOT, How much are the payments? since I do not have XXXX there are no payments, I have a credit card taken out at the same time? which I do not. and because I answer these questions correctly EQUIFA REFUSE to give me access to my credit report, but I suspect allow the other fraud person access to my credit report. 
Every hyear I have to fight this and every year these Equifax people destroy my credit again. Please make them stop doing this to me. I have to spend many many hours on this every year, year after year after year due to their Negligence and incompetence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XXXX of 2012, I purchased a water heater from XXXX and paid with a check, when I got the water heater home, it did not fit where I needed it, so I return it, it 's over an XXXX drive for me, when I took it inside. The manager advised me that they could not refund me for 14 days ( until the check cleared ). So I left the water heater there and did a stop payment on the check. She wrote me a receipt of returned item which I kept for several month but now it 's been over 4 years and I find on my credit report a collection for this stop payment check. I disputed the item and after investigation which only took about a week I was told it was confirmed. XXXX should have never collected on this check through the third party that guarntees the checks because the item was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The United States Postal Service utilizes Equifax to verify the identity of people wishing to use enhanced features of their website. I have been presented with XXXX different questions to verify my identity and each time, the verification fails. The questions asked provide XXXX different answers and then a final " my answer is not shown/not applicable ''. For each question asked, the correct answer IS XXXX of the choices provided. The USPS has told me that this is a service provided by Equifax. Equifax disputes this and wants to send more documents to verify my identity and has been unable and unwilling to address what can be done to correct the situation so that I may verify my account with the USPS. Also, while on the phone with the representatives of Equifax , they repeatedly have asked me to get a copy of my credit report even though I received one this morning. And they do not show any record of that. They 've told me that they do not have my PO Box on file, however that is the address used to obtain the report this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are duplicate entries on my credit report listing the same item. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed some inquiries that I do not remember doing or recognize. My understanding is that I may dispute anything in my credit file. Then the credit reporting company is to contact the furnishing of the information to the credit bureau to verify. If it is verified then let me know or if its not then delete. Well I received a email from Equifax telling me that inquiries are a factual record and if I disagree than I need to contact the creditor. Well that tells me that Equifax did n't even look into this dispute. That 's not right I have a right to dispute anything in my credit report and the first step in this process is to start with the credit bureaus.. Then they need to do there job and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked that a Federal tax lien be removed because it has been released. The tax lien was filed XXXX and released XXXX. I informed the representative and the supervisor according to FRCA a tax lien that has been paid or released must be removed 7 years from the file date and not the release date. I was informed that tey would not remove the lien for 10 years and they did not care who I called or if I hired an attorney because according to the information they have from the FCRA a tax lien is held 10 years and once paid 7 years from the release date and not the file date. All other credit reporting agencies have removed this tax lien and agreed that the time limit is 7 years. Equifax has caused me loss and denial of credit because they refuse to remove this out dated tax lien.

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

Complaint narrative:
Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.

Company response to consumer: Closed with explanation