vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted the credit bureau about putting a fraud alert on my account due to inquiries made that are not mine. I requested to have the fraudulent inquiries removed and was denied. They informed me to contact the creditor to have them remove it. I did and was unsuccessful due to the age of the inquiries. Apparently the creditors could not locate me in their system to remove the inquiry. In this case I am req6the removal of inquiries that are fraudulent and not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX. In XXXX, Oklahoma I have never see this address and never loved at that address. Why is this on my credit report is somebody using my name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Security National Automotive Acceptance
State: SC

Complaint narrative:
My husband and i have a auto loan with SNAAC. We trade our truck in on XX/XX/XXXX. The dealership sent the payment to the company on the XX/XX/XXXX. And it sends it was delivered on the XX/XX/XXXX. It is now XX/XX/XXXX and they say they never received it. When i spoke the gentlemen this morning he said the address was wrong. But thats the address they have on the website for payoffs by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report I notice that Equifax had a Lien on my credit report that was released. That should have been taken off my credit report after the Lien has been satisfied. I am informing you so that Equifax to remove this Lien off my credit report. I have not file a formal dispute letter. I decided to file a case through your services to have a track record just in case Equifax does n't follow through with doing what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has continued to list fraudulent activity on my credit report even after XXXX letters I have sent them. Yes you read that right, I have sent this company a total of XXXX letters and countless faxes outlining the fact that my husbands ex wife tried to open many accounts in my name. The other credit bureaus cooperated but Equifax continues to try and hold me responsible for inquiries that I did not make, allow and was not aware of. They do not report accurate information and as a hard working public servant I expect more from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX showed up on my credit report on XXXX/XXXX/15 as a hard inquiry on XXXX/XXXX/15. I immediately filed a investigation with Equifax and within XXXX hours they closed the case stating Inquiries are a factual record of file access. I called the # Equifax provided for XXXX, XXXX and spoke to XXXX, today XXXX/XXXX/15. I asked how they got my information to view my credit report when I didnt apply for credit or authorize them to view my credit report. He could not tell me and asked that I fax my name, address, phone # and last XXXX of my social to XXXX. I do not feel comfortable doing so as that is all information that can be used to obtain credit fraudulently. I have read online, NUMEROUS accounts of XXXX placing a hard inquiry on people 's credit reports. I will not stand for them to comit fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have closed accounts still on my report. I have hard inquiries on my report that I did not approve of

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

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 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 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has an item listed on my account from XXXX. They are saying I owe XXXX XXXX money. This is not true. I have not lived at XXXX XXXX for almost a year. When I lived there, I always paid my rent on time. I stayed through the term of my lease, and gave notice I was moving out. I do not owe them any money, and they never refunded my security deposit. I want this item removed from my credit report, and I want my security deposit refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
I unfortunately had to file for Chapter XXXX protection XX/XX/XXXX. I happily met all my financial obligations and my Bankruptcy was discharged XXXX. I called my lender ( Seterus ) XX/XX/XXXX and provided all requested paperwork. Seterus informed me their " cure '' period to release my account from BK was 90-120 days. It has now been 196 days and my account still shows that it 's in " BK '' because they had a software upgrade and they are months behind. My house in under contract to be sold. Seterus will not provide a payoff statement because according to them ... .I 'm still in BK. I have informed them that my house is scheduled to close next week and all they can tell me is that it will be another 60 days before they can provide a payoff and let my house close. I will now be in breach of contract and I 'm being held hostage by Seterus. Why am I paying for their " system upgrade ''? How is this fair?? I called back XX/XX/XXXX and told them I would be selling my house and I 'd like to make sure everything shows " OK '' in their system. I was told, " your bankruptcy was finalized and you will be fine ''. Please tell me my rights as a consumer. Can Seterus hold me hostage like this??

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 — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact Equifax , XXXX to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported twice on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for 32 years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax, refuse to delete these unauthorized and fraudulent inquiries from my credit report even after sending them documents from the companies stated that they have no records of this inquiries. 

I spoke with Selly from Equifax fraud department on XX/XX/2016 to get this issue resolved, she stated that no matter how many letters I send, they will not remove these inquiries and she put the burden back on me telling me to contact the company who placed the inquiries on my credit report which I have already contacted and still they were not able to verify these hard inquiries and sent response letters to me that I uploaded and also sent to Equifax copies and they still will not delete the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Within XXXX minutes of giving my credit card number to the customer service person with Equifax experienced problems with the site, Equifax Premium Credit Monitoring. Information was wrong as I had just spoken with all XXXX credit bureaus. Also, I could not change my password, and my computer does not support this site. I immediately requested to cancel and get an immediate refund. I was deceived. The cancellation took place but was not told until after an hour on the phone that I could not secure a refund of {$19.00} even though the service did not work for me. The employee kept me on hold for 45 minutes listening to music. No one ever came to the phone. This is a rip off. Information is wrong and the site is difficult to work. Horrible. That is why within 10 minutes, I kept the person on the line as I signed on to the site, I was requesting my money back. The complaint if file no. XXXX

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 — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had XXXX IRS tax liens filed in XX/XX/XXXX and XX/XX/XXXX in the amounts of {$130000.00} and {$87000.00}. They were released in XX/XX/XXXX. The were WITHDRAWN XX/XX/XXXX. Equifax began to report a lien of {$13000.00}, as a XXXX lien, in XXXX XXXX. At various times they have reported this non-existent lien twice, duplicated, so a total of XXXX. I have filed 14 disputes since XXXX/XXXX/XXXX. Recently, they changed the {$13000.00} to {$13000.00}, and are reporting it twice. This lien has never existed. Equifax continues to state that they have contacted XXXX County North Carolina and verified these liens. This is a blatant lie. It is not done electronically, they have to send someone there physically to the Superior Court office to pull the records. I have attached the XXXX WITHDRAWALS for the REAL liens, so they should NEVER be reported again. I have attached a letter from the XXXX Superior Court Clerk that clearly states that the XXXX REAL liens are the ONLY liens that were ever filed. There has never ever been any lien filed for {$13000.00} or {$13000.00} or or any other amount than {$130000.00} and {$87000.00}, NEVER, EVER! And the real liens have been WITHDRAWN, in IRS parlance that means it is as if they never existed. 
Please help me to force Equifax to cease and desist reporting ANY IRS tax liens on my credit report. I have disputed their various iterations of this reporting 14 times!! since XX/XX/XXXX. Enough is enough. 
Thank You Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances. XXXX and XXXX XXXX are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried numerous time disputing inquiries on my report from XXXX 2015 to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to report information on my credit file that is not mine. I have filed numerous disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have verified the inaccurate accounts when in fact the Court has not verified or provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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:
Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.

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

Complaint narrative:
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthousesXXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. XXXX still reports XXXX. Equifax still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company is continuing to request payment for accounts that I do not owe on. {$36.00} from XXXX on behalf of XXXX.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. XXXX having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
ALL references regarding this account must be deleted from ALL reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My question is what is the procedure of score rating by Equifax. 
What is the basis for a late car payment versus a late loan payment. 
A credit card payment versus short sale, deed in leiu, foreclosure versus foreclosure started A late College loan payment A repossession How are terms of length arrived at

Company response to consumer: Closed with explanation