vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My student loans are suppose to show closed on all credit reporting companies. I have contacted XXXX XXXX and Equifax who also controls XXXX XXXX etc. about this several times now and the information is not changed. I have in front of me written proof from XXXX, the USA Dept. of Education as well as XXXX XXXX, a collection agency that works with the Dept of Education that my loans are suppose to show closed as I am under the XXXX umbrella. I am not able to upload the supporting documents but can easily mail copies from the government agencies above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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On XXXX XXXX, 2016 I initiated a dispute over a {$100000.00} tax lien that was withdrawn by the IRS in XXXX 2016, as well as filed with the XXXX County court a notice of withdrawal. The IRS contacted XXXX, XXXX and Equifax , and while XXXX and XXXX removed the lien from my credit report without any intervention from me, Equifax was and is still reporting it. 
When I saw Equifax still listed the lien as a public record, I filed a dispute. The response I got was that they had " verified '' the public record item was reporting correctly. Curiously, the amount of the lien suddenly became {$10000.00}, not {$10000.00}. 

When I saw there was a second dispute opened, I assumed someone at Equifax had noticed the error and they were fixing it .... but no. The second dispute 's results came back identical - that they had " verified '' the public record item and it was reporting correctly ( and still had the lien listed at {$10000.00} ). 

They clearly never even attempted to verify anything, otherwise they would see the lien was withdrawn and the documents were filed with the XXXX County court on XXXX XXXX, 2016, document # XXXX. It 's publicly accessible. 
Not only did XXXX different Equifax employees lie about " verifying '' this lien, but to be in the business they are in, basically holding people 's lives in their hands, and yet they make a careless typo like changing {$100000.00} to {$10000.00}. 
I have filed another dispute, confirmation number XXXX, and included proof that the lien was withdrawn, but I have no faith that some Equifax wo n't just push a button labeling my " verified '' again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect information on my ccredit report. XXXX XXXX is reported as open with a {$33000.00} balance. This information is incorrect. It should be reported as Closed with a balance of zero. It is correctly reported on my XXXX XXXX credit report correctly as closed and XXXX balance. As discharged on my Chapter # XXXX Bankruptcy dated XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My issue is in regards to my credit score and why it has dropped XXXX points. I have a print out of my yearly Equifax report and it shows no changes for the past year so why the drop in points. I carry no unpaid monthly balances and have always paid my bills on time. The Equifax report shows -- length of credit history 31 years 2 months with the average account age being 17 years 5 months. I also have no negative accounts so I would like to know why has my credit score dropped XXXX points as shown on my XXXX program?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I have a home mortgage. It is owned by XXXX. XXXX hired Seterus Inc. to service the loan. Seterus is mismanaging my loan. We tried to adjust the escrow in order to pay off a deficiency in it sooner than Seterus wanted. Seterus took the adjustment, and then declared us ( my wife and I ) in default for {$5000.00}, and threatened to foreclose. We have never missed a payment since the loan was made in 1996. I tried to explain to them what was happening, and I refused to pay the {$5000.00}. I wrote to them that they were mistaken, and we were not in default of our loan. They then demanded payment of {$400.00} and again threatened to foreclose. We remain current on our mortgage and we are not in default. All we tried to do was to prepay a mortgage escrow shortage sooner then Seterus had said. We checked the Internet and found XXXX of complaints about similar conduct by Seterus made by others. This company needs to be reined in. They are out of control. 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed this information and submitted a police report as well as evidenced by the attached. 
Equifax continues to report accounts that are not mine ( XXXX & XXXX ) and an inquiry I did not make. It has been long per their attached status update and nothing has been done. This willful non-compliance is causing me difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After numerous phone calls and letters to the Equifax credit reporting agency I have been given the run and around with no help or solution to my issue. I used a third party agency to view my credit report and noticed that there were a list of hard inquiries listed on my credit file. I 've repeatedly asked Equifax to have these inquiries removed as they were not authorized nor do I posses a current open account with either of these agencies. Equifax refuses to remove these inquiries although they are not tied to any open account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX assistance XXXX total, XXXX XXXX XXXX total, XXXX accounts through XXXX XXXX. Please help as this agency is not complying

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This issue is in reference to a public record for a tax lien that was released in XXXX. The West Virginia XXXX XXXX office failed to release the lien at the time of settlement. This was not completed until XXXX. The state office stated that it was not possible to retroactively change the release date in their computer systems. Instead, they noted the official court document with the correct date and provided me with a copy. 

I submitted disputes with the XXXX primary credit reporting agencies. XXXX of them accepted the updated court documents and immediately changed the entries. In XXXX ( XXXX years after the lien ), the entries dropped off as they should. 

Equifax refuses to change the release date and still report it as XXXX. This means that the record will remain on my credit report until XXXX. 

Even worse, the public record appears on their report in XXXX separate entries. There is XXXX using the court booking number ( beginning with XXXX ), the other using the state lien file number ( beginning with XXXX ). Everything is the same about these XXXX entries except for those XXXX numbers. The lien dollar amount, the date filed, the state it was filed from, the XXXX release date, the contact information for the state office are identical. 

Multiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact information for the Tax Compliance department. Several Equifax CSRs verbally confirmed that they see the correction on the document. They also confirmed that the public records are duplicated. Even so, the final investigation results dispute comes back with the same conclusion. 

I have followed Equifax process and received no resolution to my problem. At this point, I will have to seek legal counsel.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX Collections Account # XXXX is reporting on my Equifax credit file as a duplicate account. The same debt with the same open date, account number, and balance is reporting twice on Equifax and I 've disputed this account on several different occasions only to be told it 's reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They are reporting XXXX Bank acct # XXXX XXXX/XXXX/XXXX as charged off. per attached documents this account was included in bankruptcy. 

they are reporting XXXX acct # XXXX XX/XX/XXXX charged off. 
attached documents show account included in bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 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:
I have dispute an item with Equifax. That item is XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Despite several attempts and communications to Equifax by certified mail, they are still reporting a negative Public Record on my credit file. XXXX and XXXX have both deleted all Public Records that were filed in error from my files. XXXX refuses to do so. The record in question is a State Tax Lien from the State of California. It was filed in error and needs to be deleted. 

Kind Regards, XXXX XXXX XXXX XXXX. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status -- Amount {$7900.00} Classification --

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.

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

Complaint narrative:
Equifax Only removed XXXX out of XXXX XXXX XXXX Hard Inquiries where they should of removed XXXX. The XXXX one was from XX/XX/XXXX and should of been removed with the others. 
The XXXX XXXX was removed but the XXXX was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 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 filing 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 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 in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want Equifax to review the attached letter to this complaint from the Minnesota Department of Human Services. The following account do not belong to me and is the result of identity theft : Minnesota Department of Human Services account ending:XXXX. I want the account deleted from my credit report.

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

Complaint narrative:
their is an address of XXXX, Md XXXX that does n't belong to me! i have never lived on that street or in that location. 
would like for it to be removed also discover account that is open and i 'm an authorized user! i have no clue! 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax forces me to call multiple times to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing multiple incorrect Public Records and Collection Account to be removed from my Equifax Credit Report but they refuses to allow me to dispute these XXXX Public Records and XXXX Collections Account which does not belong to me. 
I have tried multiple time to resolve it, but now Equifax has locked me out completely when I try to dispute these XXXX Public Records and XXXX Collections Account. 
I wrote to them 3 times with no response in the past 60 days Some items are over 10 years old. 
XXXX and XXXX were very helpful and removed negative items within 30 days I need HELP PLEASE!!!

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

Complaint narrative:
After XXXX Bank/XXXX, their attorney XXXX and XXXX Court Dispositions in my favor clearly : 1. acknowledge the account is the same as is listed on my file 2. linked them, the account, the court case and amount as the same entry listed on my credit profile. 
3. received documents prooving all of this SEVERAL times, on several occassions b fax, direct upload and certified mail ... 
Both XXXX and Equifax STILL HAVE NOT REMOVED THIS FROM MY CREDIT FILE AS A NEGATIVE CHARGE OFF. WHAT MORE DO THEY NEED? EQUIFAX has not even updated my address as requested, as is obviously noted by all parties and in the court documents. They have claimed to investigate and reinvestigate and received verification from XXXX when the attach say different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, MN XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a list of disputes, mailed out on XXXX XXXX, 2015, and have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After Chapter XXXX bankruptcy discharge, multiple judgments are being reported on my Equifax and XXXX credit reports. XXXX reporting agency removed these items from my report. I have been unable to have XXXX and Equifax remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a voluntary credit freeze on my account with Equifax. I am attempting to refinance. The online temporary freeze lifting tool will not work and advises me to send a letter with payment. I sent a letter to XXXX at the address as instructed and enclosed payment. Now, 15 days later, the check has not cleared the bank, the freeze is not lifted, there is no telephone or email support available from Equifax and my banker is advising that my rate lock could expire because they are unable to run the XXXX bureau credit merge report on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Being sued by Pressler and Pressler LLP for balance owed on my hospital bill. I do not speak XXXX and at the time of my XXXX i was told that my out of pocket balance was {$1200.00} which i paid as my daughter was there with me and she translated for me. I received a notice of being sued and called with my daughter and was willing to pay the balance but now they added over {$500.00} for their fees. The doctors office " XXXX XXXX XXXX XXXX '' knew i did n't speak or read XXXX and told them to contact my daughter. They never contacted her but send me over to an agency that is suing me now. I am willing to pay what is owe for the procedure but not the additional charges. XXXX XXXX XXXX said my out of pocket balance was only {$1200.00} and not the additional {$1600.00}. Also, XXXX surgical should have called my daughter to get this resolved instead of sending it to Pressler and Pressler LLP so they could add additional {$500.00} plus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation