vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Broken lease that was placed on my credit report account with Equifax on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX XXXX Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed XXXX XXXX Collection Buerau /XXXX {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX XXXX XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX XXXX per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect first of all it reflects a different amount then the amount owed, second it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My problem is, that Equifax and XXXX still reportng a loan that has 9-year 's old ( XXXX XXXX ). I would like to be removed. XXXX had them removed XXXX XXXX already, but not removed from the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I received a XXXX from XXXX, reflecting a cancellation of debt. I paid tax to the IRS for the amount owed. As of XX/XX/XXXX XXXX is still reporting this cancelled debt amount on my credit report as a balance amount past due. XXXX insists that in order for them to report a XXXX 'balance owed ' to the credit bureaus, I will need to pay XXXX the entire cancelled amount. This balance should not be reported to the credit bureaus as an amount past due. The account was written off by XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
In reference to case # XXXX, Seterus made inaccurate statement when it stated that escrow account was open by XXXX Mortgage. It was never open by XXXX. An escrow account requires payment of principal, interest and taxes. I never paid taxes to XXXX Mortgage. Payment records shows that. In fact, even after it is transferred to Seterus, first few months I paid only the principal and interest. Therefore, there was never an escrow account when XXXX transferred mortgage service to Seterus. 
As per loan modification, all the documents signed are null and void, because loan modification never went into force. 
In any case, the original act by Seterus to set up an escrow account caused financial stress resulting in the damage of credit and unable to take advantage of low interest rates, resulting in serious financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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 DISPUTED THE XXXX ACCT XXXX as inaccurate/incomplete : that there isno date closed, no last pymt date or amount, no chargeoff date or amt, no date of last activity. 
without those dates I can not proceed against the creditor for usurious charges beyonddefault rates from the date account was closed to further purchases and the subsequent chareoff.the charges are more than double the credit limit " as if it were a payday loan '' but it was just a standard credit card.the investigation results say these were all updated, yet they are blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a 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 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. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted XXXX XXXX XXXX who refused giving me assistance about an unauthorized inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still did n't take care of it and gave me a hard time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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:
Have requested several times for Equifax to send me my correct and updated credit report and score ... still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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:
This bureau is plainly in violation of FCRA law Code XXXXProcedures in cases of disputed accuracy. I will challenge their disappointing investigative abilities in this complain and set forth any legal action necessary from this point forward. 

XXXX. # XXXX ... is outdated and past due in terms of deletion. By law items can not surpass the 7 years mark in regards to being on my credit report an this account in plainly in violation of that LAW The problem I am having with this company and their false and illegal repotting is that they have DELETED the ENTIRE payment history after each of my disputes in order to cover their tracks regarding anything and everything i am challenging. I have gone from having a payment history showing from XXXX to having no history of payments and therefore no ability to verify or deny anything that is being argued regarding this incomplete and invalid account. This account, XXXX, is clearly non-verifiable and over due to be deleted. 

Another concern I have is that this account, from XXXX, has been re-aged and made newer to reflect a XXXX date, even though all of my payment history has mysteriously been wiped out. 

This is unacceptable behavior and so very unlawful. Why delete information that I am disputing an then tell me it was verified? I called the number XXXX XXXX XXXX and got no response nor a dial tone. Therefore, I am curious WHO you have contacted to verify this terrible account through and HOW! I have never held an education loan with XXXX Bank, I have FEDERAL LOAN with the government and that is it! My account was transferred when my school violated FDCPA laws against its students and the government took over every students loan. I have never in the last 7 years been involved with any other loan. This is well passed that date an though it has been altered and change NUMEROUS times, I will challenge it until it is removed! It is clearly outdated and unverifiable. I am being lied to by your company and I DO NOT APPRECIATE THIS! No proof, NO descriptions and procedures, as the law CLEARLy requires under FCRA section ( XXXX ) : A Consumer Reporting Agency Shall Provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 

THIS ITEM HAS NEVER BEEN PROVIDED TO ME! I have requested proof and validity on this account on numerous occasions. You have not fulfilled your duties to me as a consumer and therefore have no right to keep reporting this account to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. 
I need to have them remove it from Equifax immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2016 I contacted the credit bureaus, Equifax, XXXX and XXXX via certified USPS disputing several accounts that are reporting inaccurately. I have made numerous attempts to reach them by phone and further mailing actions, the credit bureaus ( all XXXX ) are refusing to send me an updated credit report or acknowledge my dispute request. 

DISPUTED ENTRIES : 1. ) XXXX # XXXX ( PAID NOT COLLECTION ) 2. ) XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 3. ) XXXX XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 4. ) XXXX ( PIAD-NOT COLLECTION ) The Following Inquiries are not mine, never authorized : 1. ) XXXX XXXX ( showing XX/XX/2016 ) 2. ) XXXX XXXX ( Showing XX/XX/2016 ) 3. ) XXXX XXXX ( Showing XX/XX/2016 ) 4. ) XXXX ( Showing XX/XX/2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone opened up a credit account in my name with XXXX XXXX. I informed the credit bureaus as well as the creditor that this account did not belong to me. They wrote back and said they have a name that matches my name and they verified the account. Im not sure what that means in terms of someone having the same name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX is still reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I submitted a dispute on a collection account on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the account. Currently, when I log in to Equifax with my confirmation number the investigation still shows as pending. I contacted Equifax on XXXX/XXXX/2016 to ask why the investigation had not been completed, and why the account had not been removed. They replied with a generic response stating that I should call during business hours. I emailed again today, XXXX/XXXX/2016 to make sure that my inquiry would be reopened. I have not yet received a response. During the 30 day investigation period I was not notified by Equifax that they needed additional time to complete the investigation. I have just been waiting. I would like the account removed. I have attached a screenshot of the status of my dispute, comfirmation # XXXX. It was submitted XXXX/XXXX/16 and is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX, I issued a complaint regarding equip ax having incorrect information on my credit report. They were putting bad credit issues that belonged to a XXXX XXXX, who is not me on my report. XX/XX/XXXX they sent me a letter that they had removed that information and put an extended fraud alert and blocked my file for promotional purposes until XX/XX/XXXX. Yep, it just expired and I 'm already getting creditor calls for a XXXX XXXX! Obviously they never fixed the problem. I understood the problem was XXXX XXXX 's social security number has the last same XXXX digits, but somewhere in the middle it 's different. How do I make Equfax stop reporting false information? Do I need to get my attorney involved? This is pure harassment from them and it 's been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax conducted an investigation on XXXX XXXX, 2015 on report late payments from a creditor that were incorrect. ( XXXX XXXX XXXX ) - the very next day I received results stating that the historical information was deleted from my profile. To date, the report has not reflected the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to report.

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: VA

Complaint narrative:
Inquiries not authorized being reported on my credit report XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 Bank XXXX XXXX/XXXX/XXXX XXXX Bank, 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 Bank XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank 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 XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 Bank XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed a dispute request to Equifax on XXXX/XXXX/15, requesting some items to be investigated. I listed specific reasons as why they needed to be investigated. After not receiving the results back due to me moving, I contacted Equifax today and spoke with a young lady who advised me of the results. When it came to XXXX accounts she stated they came back as verified based on the name, date of birth, social and address. I asked her if they came back verified based on those factors, I never disputed the ownership of the accounts. Long story short, they did n't investigate the accounts per the reason I advised, for example, date opened is not correct, or balance is not correct, they simply had the company to confirm ownership of the account. I asked the person I was speaking with the reason they did n't correctly dispute the information according to what was sent on my initial correspondence, and her response was that it was handled by the mailing/disputes department and they just put in the wrong information. This was not done only on XXXX account but XXXX accounts. I asked to speak with a supervisor as her only remedy to this was to place it under dispute again, I advised her that was n't satisfactory as they failed to perform a proper investigation to begin with and demanded deletion. I also asked to speak with a supervisor. I was transferred to XXXX, who was in the disputes department, ( not a supervisor as I asked for ) who advised she was also not sure why it was not handled properly. The only resolution to the problem was to re-dispute the account. I requested to speak with a supervisor 2 more times before I was transferred to XXXX who stated she was the Floor Supervisor in the Disputes Department. She looked at the letter I sent and confirmed there was an error but could n't do anything except place the accounts under dispute again. Advised that was n't satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting a 30 day late from XXXX XXXX XXXX this account was never late please remove the late asap

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
There is a recent new address on my report : XXXX XXXX XXXX XXXX XXXX, XXXX SC, XXXX Also, there is a XXXX credit card that was opened in XXXX and not used since XXXX. That was closed and it is still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 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:
HiMy name is XXXX XXXX on the XXXX of XXXX I received a call from XXXX XXXXTelling me that I could n't not refinance my house with them because XXXX had reported a XXXX on my credit. I call them on the XXXX try to dispute my XXXX my cause I thought that I had paid my final balance with them with it was very small between XXXX to XXXX dollars. I when I head and paid to total balance that had jump up to XXXX dollars. I ask them to please removed the XXXX and they told there was not mistake I asked them why dint costumer services send me a letter or a call. Well that had my wrong information I went ahead and updated now they are telling me that they had the right information and that I sing up fire statements y told that was a mistake. They dont want to accept that they made a mistake, I could no long refinance my house I explain to them that I was trying to do this to keep be able to keep up with my mortgage. Please help us as consumers we have no protection against all this big scan comp.

Company response to consumer: Closed with explanation