vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted XXXX regarding the sudden drop of my credit score. I noticed after being denied for an apartment that there were unauthorized accounts on my report. I asked Equifax to provide the paperwork submitted to them by the reporting companies and their response was they have submitted request to the companies for the documents. This is a violation of Section 609 of the FCRA which states that signed consumer contracts must be submitted and verified before reporting accounts, not afterwards. I am also not giving authorization to Equifax to report the accounts that I listed on the letter and I request their immediate removal.

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

Complaint narrative:
I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I have made my payments on time to Seterus Inc since they took over my loan from XXXX XXXX. I closed on the home in XX/XX/XXXX. I have lost my job and now need them to fax me documentation so I can get into a state group with Georgia that helps people behind in their loans. Seterus blocked my access to print out loan documentation online because I am behind on my payments. Hence, I can not print out my tax form or current month 's statement. I have asked since XX/XX/XXXX for paperwork to be faxed to me and they have not completed the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All three credit reporting agencies are reporting that my balance owed on verizon is {$1000.00}. I have returned the equipment as of XXXX XXXX, 2015 and have attached proof of the return. XXXX was supposed to credit my account back for the merchandise XXXX after the return. It has been 90 days and they still have not done so. I need to update my account reflecting the returned items as of XXXX XXXX 2015. They have had ample time to process this information and it is negatively impacting my credit score. Aside from my small medical debt I have been current on all of my credit trade lines. This information needs to be rectified on Equifax , XXXX and XXXX asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax, the agency that just does n't play well with others ... I had XXXX mortgage, not XXXX back in XX/XX/XXXX with XXXX XXXX XXXX loans, it was an interest only ARM loan that I should not have ever agreed to. As the it adjusted annually and our incomes declined we sent in multiple requests for help, lost paperwork, lies, threats, disappointment and then more lies. At least XXXX trees worth of paperwork. then it was transferred, I swear at least 3 times, I received a notification it was being serviced by XXXX from XX/XX/XXXX thru XX/XX/XXXX. Eventually we hired an attorney and after 2 attempts, the loan was finally modified. These places were very understaffed and overwhelmed I am sure. Mistakes happen and mistakes were made, were all human. As you can see, even though we received a settlement from XXXX, XXXX XXXX still continues to retaliate or more likely Equifax never really checks, they just say, " oh, sure we did and that 's what they are telling us '' then I receive more secured credit card offers, we all know what they are doing. You can see FH reports separately from the current mortgage holder, so it appears as XXXX different loans. I had the other bureaus contact them and they are reporting XXXX as agreed with no lates. I made the less than full payments as required for modification and eventually they completed the modification, took from XXXX XXXX to XXXX XXXX but, they pulled through for us. XXXX is AWESOME! In turn, they are not reporting in error for the time it took to process and the fact I sent them over $ 40k to catch up probably helped. What Equifax is doing is just frankly really uncool to me, they should delete XXXX XXXX, the last payment was in XX/XX/XXXX anyway and report XXXX the way the other bureaus and us agreed it would be reported. Let 's all move forward. thank you always, you are really amazing resource for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax is taking too long to send disputed results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XXXX. 
This clearly is a continued problem with Equifax purposesly reporting inaccuracies in regards to my credit score and intentionally lowering my score with a lender in retailition for filing several complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collections on my credit report from a medical bill from a XXXX ( XXXX XXXX XXXX ). 

That is not legal to be posted to my credit report, as it is a medical collections and a federal law was passed that made this illegal to be posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EQUIFAX CREDIT INFORMATION SERVICEhas an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EQUIFAX CREDIT INFORMATION SERVICE SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed chapter XXXX XXXX 2007. It was dismissed not discharged. It has been well over 7 years since the date filed and Equifax refuses to remove it. Also I have XXXX federal tax liens on my report that have been paid and released that were filed XX/XX/2007 and XX/XX/2007 and have been well over 7 years. Equifax refuses to remove all XXXX public records but XXXX and XXXX have done so. I would like these records removed please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IVE Been fighting this presumed debt since XXXX, ive called the bank over 20 times trying to resolve this matter, the XXXX on XXXX has a debt of XXXX from " XXXX '' which at the time my business account had a XXXX, they claim a debit was made, and i keep asking them how can a debit process with a XXXX?? they can not answer, furthermore their fraud department will not let me file a fraud claim because i dont have my debit card # from XXXX? this is crazy!!! i did also send them a letter asking for " validation '' of debt, they sent me a statement 3 months later, a statement is not " validation '' and i dont know who is stupid enough to buy a XXXX battery???!!! i have went round and round with supervisors and representatives and im sick of it, i do have letters i sent i will have to find them. this alledged debt is from XXXX, and they refuse to remove it and THEY CAN NOT PROVE its mine, its clearly a computer error, i never been to any XXXX, i repair my own truck as i am 12 year XXXX from XXXX THIS IS UNLAWFUL CRIMINAL ACTIVITY by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint because Equifax has ignored my request to provided 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 XXXX 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 matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit karma account alerted me to an account placed in collection saying I owe the County XXXX, Virginia what I believe to be a personal property tax. I 'm more than sure this is an error because I 've been living in the state of Tennessee since late last year

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I rented a musical instrument for my sons school. I gave my credit card information and drivers license. the merchant then asked for my ss number. at this time I asked clearly whether she was going to generate an inquiry on my credit report. she sad no. I told her I did not want that and asked again at least XXXX more times. each time the merchant replied no. she said it was for identification purposes and assured me it was not like applying for credit. the next day I checked my credit and I saw the inquiry. I immediately called the merchant and she apologized and told me she was not aware that was going to happen. she remembered that I had asked several times and told me she did not agree with what happened. she gave me a main number to call. I then called the main number and asked to speak with a credit supervisor. I explained to her my situation. she called the merchant and only asked whether I signed any documentation to which the merchant replied yes. I told her that none of the documents contained my ss number because I was concerned about this. she refused to remove the inquiry. I then called Equifax. I spoke with XXXX # XXXX. he incorrectly told me that only the creditor can remove the inquiry even if it was placed incorrectly. I would not have an issue with the inquiry on my credit report if I was informed correctly what was going to happen. I was misinformed and I clearly asked the merchant and depended on the information that they gave me. I was given INCORRECT information and they should take responsibility for this and have this inquiry removed. as I mentioned because i was concerned, I did NOT place my ss number on ANY FORM. please respond as to what the next step will be. thank you. 
the date of the transaction was XXXX/XXXX/15. the merchant was XXXX at XXXX XXXX XXXX. this was done through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have previously reported, XXXX had agreed to remove the inquiries on my report, XXXX has been removed the other remains. The XXXX court record was paid in full, paid medical bills should be be removed. The XXXX account is reporting open, this was closed last year. I never had a loan with XXXX that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted Equifax in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. Equifax must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XXXX XXXX, XXXX I received an alert from my credit monitoring company that XXXX credit services did a hard inquiry on me without authorization. I 've had an inactive account with them since XX/XX/XXXX and have never authorized any credit under my name from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
My home was included in my bankruptcy in XXXX, and discharged in XXXX. Indymac bank, the original mortgage holder has still not foreclosed on my home and this is keeping me from purchasing a new home. The home is at XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I consolidated my student loan in XXXX 2013.Original balance was, ( {$75000.00} ) + ( {$120000.00} ) = ( {$200000.00} ). This included all loans. EQUIFAX has decided to report incorrect information. They list ( {$14000.00} ) pass due and, ( ( {$42000.00} ) pass due. These loans were included in the consolidation. They need to be fined, and restore my credit score to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The last time I filed a complaint with the CFPB and disputed items on my report, my score dropped over XXXX points with my credit only improving. It seems Equifax does n't like me filing complaints. After filing another complaint 4 months later, my score dropped another XXXX points. 

This is retribution as my credit is only improving. I will consult an attorney about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX Mortgage refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for XXXX consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. 8 months later we were notified that the original mortgagor XXXX Mortgage filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX Bank. We wanted a 30 day close on the property but because of the mishap with XXXX Mortgage it reflects XXXX Bank. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX Mortgage while they were our Mortgagor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I disputed this issue with the credit reporting agency XXXX creditor did the right thing but XXXX creditor continued with their sneaky way of reporting incorrect information. XXXX XXXX XXXX Card continues to report a credit card that was 'charged off ' in XX/XX/XXXX as 'open ' and the balance due as {$430.00} on my credit report. Which looks as if I am using XXXX % of my credit because the high balance that the card held was {$250.00}. I have contacted them and Experian but they investigated and XXXX XXXX corrected the account status at the time and now has since changed it back to an 'open ' status instead of 'charged off/closed '. 
2.They also keep changing the dates of the charge off. XXXX credit report has XX/XX/XXXX and the most recent says XX/XX/XXXX. 
3.They have also changed my last payment date to XX/XX/XXXX when it was really XX/XX/XXXX. ( this is XXXX way to verify the unfair information being reported. Request a copy of my 'so called ' last payment that they are reporting I made in XX/XX/XXXX ) 4.Finally. they have changed the account number in order to keep it on the report undetected as an old account past it 's seven year period of reporting. 
The credit reporting agencies disputes are not getting the job done. They just take the companies ' word and they do not request documents to verify what they are reporting. 
*I do not mind at all paying the bills that I owe however, according to the Fair Reporting Act, this company is not playing fair at all. Their tactics are sneaky and underhanded, not to mention, breaking the law. I just want other consumers to be aware of this bank 's unfair practices and for them to be stopped. 

Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation