vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Most of my current open tradelines ( revolving and current auto loan ) are not reflecting current information as of XXXX 2016 and still reflecting last reported payment date as of XX/XX/2016 or prior. The other credit bureaus XXXX & XXXX are reflecting up to date balances, payment history etc but Equifax still has not reported this information. This is adversely affecting my credit and scores and current balances and payment history is not being reported. These accounts are open and current and even new credit line increases are not being updated as well. I have disputed this information many times with equifax this past year and still shows in dispute however its been way over 90 days with still no update with correct reporting information. I have made payments on this account all the way up to XXXX 2016 and still shows last payments made were on XX/XX/2016?? this is not correct whatsoever! Equifax needs to update this information to current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX has ALL collections through their company, all collection accounts are listed as a revolving type of debt. I have tried disputing this information through equifax. XXXX has listed this type of debt through equifax credit company. I have tried contacting Equifax with no response. Please have this company fix their inaccuracies for XXXX XXXX Medical Center, which are medical bills and not revolving credit accounts. In addition XXXX XXXX has an account listed without a date or amount owed, I find this questionable and am concerned about fair credit reporting practices this company conducts. They have made multiple inaccuracies on my credit report, causing my report to contain XXXX inaccurate information on my accounts. In addition, I would ask for CFPB conduct an investigation into the practices of this company and also remove the several innacuracies XXXX XXXX has reported on my credit reports. Please have this company also verify the original debt, because I do not feel they have this information in their possession making the debt removal necessary also. The fact remains this company is not following legal practices for credit reporting and should be audited for other consumers they may have affected. Sincerely, XXXX XXXX XXXX XXXX Please feel free to contact me regarding the investigation at either email, XXXXXXXXXXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There is an address from XXXX or some where else that is not mine that I have never lived at before!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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:
This account is inaccurately reported on my Equifax credit report, I 've tried to contact XXXX XXXX and they wo n't give me a direct access to the account and they wo n't tell me why nor I 'm able to get any info from them. 
so I contacted Equifax about it multiple times in writing explaining that this account is inaccurate and I wish to remove it or they can provide accurate signed or pairing my own signature as proof of my ownership to the account yet they failed to communicate with me, provide documentation to support the info reported or remove the item. 
I 'm very embarrassed, humiliated, mentally effected and financially hurt by this inaccurate reporting, so I 'm asking you please as a consumer protection institution to help me and protect my rights. 
the creditor : XXXX XXXX Bank XXXX reference account # : XXXXXXXXXXXX account ending : XXXX amount reported : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i was a victim of identity theft. i have a fraud alert on my XXXX credit bureaus. i have had no problems at all with XXXX and XXXX.i supplied necessary documentation to all XXXX including police report and a afftidavid from FTC. I am trying to get XXXX inquiries off of my credit report with equifax and they are refusing to remove them they tell me they are factual. well of course they are factual any one with someones info can apply to any company. The company doesnt have no idea if its really the correct person or not. XXXX and XXXX have deleted all of the fraudulent inquiries. Exuifax has told me that i would have to call each creditor who put inquiery on my credit and have them remove them. Well i did that and they all told me the same thing EQUIFAX is the ONLY ones that can remove from my credit report. so i went to dispute all my inquiries on line and to my amazement you CAN dispute inquiries online. so i did this and put reason as fraudulant inquiry. Well then they send me notification that investigation complete in less than 24 hours. and states inquiries will not be removed. I am at my wits end with this company. all the accounts that were on my credit due to fraud were all removed as well as all my inquiries from XXXX and XXXX but equifax continues to fight me on this. seems i will need to get attorney involved now. any help you all can do would be very much appriciated. this whole thing has been very time consuming and im running out of patience with equifax.

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

Complaint narrative:
I filed chapter XXXX bankruptcy which is suppose to include all of my debts and stop any collection activities. Equifax is showing XXXX medical accounts which should be included in my bankruptcy discharge and not be separately reported on my credit report. This is reporting the debt twice because it any collection activity should have been removed. XXXX agreed with me and removed all XXXX collections. I believe the deragortory remarks should be removed or they should assist me in working to pay off the debt and agree to remove the negative cillections from my report. The bankruptcy should be the only deragatory remark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a fraud alert and a consumer statement on my credit file and Equifax is reporting unauthorized inquiries on my credit file that I do not have an account with. I advised them this in writing and they have never sent document-able proof with my signature authorizing these creditors to pull my credit file. The following inquiries are inaccurate and unauthorized : XXXX THEXXXXBANK

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On the credit report equifax there is a name listed there that I have never seen i do n't know who that belongs too and must be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PREVIOUSLY DISPUTED THIS INFORMATION WITH THE CREDIT BUREAU. THE BUREAU REMOVED THE INFORMATION AND REINSERTED THE INFORMATION WITH OUT GIVING ME ANY NOTICE OF THE INFORMATION BEING REINSERTED TO MY CREDIT REPORT. INFORMATION IS AS FOLLOWS : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX SOCIAL SECURITY NUMBER *********** *********** *********** *********** I HAVE SENT IN A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD AS PROOF OF MY IDENTITY SEVERAL TIMES. I AM NOT ASKING FOR A REINVESTIGATION I AM ASKING THAT THE CREDIT BUREAU FOLLOW THE LAW AND REMOVE THIS INFORMATION FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
REFERENCE NUMBER XXXX I had a joint tax lien of XXXX, The IRS granted me full innocent spouse relief, the lien was later withdrawled per IRS and XXXX XXXX XXXX. Equifax took off the other lien but are still reporting this lien. I have sent them everything proving I do not have this lien faxed and online, all the paperwork, I have called them and XXXX XXXX XXXX said they are NOT reporting this. I do n't know what to do I do not have this lien.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have multiple errors that I have been working hard tohave equifax fix but theyrefuse to help me and I dont know what to do bc I 've consulted with the bank the provide me a letter about a 30 day latepayment with XXXX banks bc of the type of bill payment check from XXXX. 

Also I have a fraud collection that equifax repeatedly re-reports but with a higher balance. I feel as if Equifax and the collection agency are in bed with each other and taking money to keep stuff on consumers reports no matter the case. 

I need these lates remove by equifax and the collection gone. I see they 're getting fined and sue bc of misleading on credit scores .... maybe this will be next.. I hope not but the evidence is piling up bc the other XXXX bureaus investigated and updated.. except EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney

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

Complaint narrative:
My I 'd was stole one te an some of the stuff on my credit report I never even heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I told Equifax that XXXX XXXX XXXX XXXX XXXX TN XXXX does n't belong to me. After a long battle going back and forth they finally removed it on XXXX/XXXX/2016. I just repulled my credit report and they have it back on there. I told them it is not my address, I want it removed from my credit report. I am attaching the letter they sent me removing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
This bill was paid in 2012 after I returned home from XXXX. XXXX XXXX XXXX has notified Equifax and provided me copies of my account showing it as paid, however Equifax and XXXX XXXX is showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. They pulled my credit XXXX times the day I stopped by their dealership I found out, but then pulled it again after I had left the dealership calling me about they are able to get me a lower price. I did n't know they were pulling my credit all these times and it was not with my consent. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over 30 days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Was denied credit because Equifax did not have the correct amount owed, made a complaintfor the to investigate..the results came back the same amount owed even though I paid the bill on a couple of my accounts, they completed there investigation XX/XX/2015. which proved they lied..I called my creditor, on my account it shows the correct long before Equifax claimed to have done a investigation..I have a copy of my account proving they did not do an investigation, they just lied and reported what they wanted to..that is fraud will send a copy of my other account as well, this is fraud, they are not reporting the truth even if you make a complaint ... This is fraud in my book..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have contacted Equifax several times about unauthorized inquiries that was placed on my report. When I first contacted Equifax several months ago they advised me to place a fraud alert on my account and contact each company to have them remove. After contacting each company by certified letters and phone calls, I 'm told by these companies to place a dispute with the credit bureau it 's reporting too. I 've contacted each of these companies, by certified mail, requesting documentation that these inquiries where authorize by me. Majority of their respond where get in contact with the credit bureau. As we know, mailing letters to these companies was very expensive only to receive a letter back stating contact the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was seeking to file a dispute for an item listed in my credit report, and I was asked to verify information in regards to, mortgages, loans and credit accounts, none of which have I openned, and I was denied access to file the dispute because I answered truthfully in response to the questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
This is a complaint/escalation due to homeowner being misled by XXXX XXXX - said he was a mediation rep - ph # XXXX. 

The reason we ended up speaking with XXXX XXXX in the 1st place is that he agreed to the XXXX phone call meeting that he said was too late for but he would do a conference call in place of it ( the foreclosure process had already begun on XXXX/XXXX/2016. XXXX said he was legal mediation for Seterus and would be happy to have the call. 

XXXX talked like he was offering her the terms of a modification so homeowner jumped at it. XXXX said a 40 yr term. 3.75 % and NO balloon. They have to add the late in the balance or they can suspend money or forbear if they are upside down. The homeowner jumped on it. 

Now we 've been going round and round with documents since XXXX/XXXX/2016 and it seems as though XXXX XXXX 's offer is nothing but words? Granted the homeowner was having issues with her printer and getting me docs but it was n't so long to get them. 

Now I called Seterus today to check on load mod status. 

Called Seterus to check on loan mod status - spoke with XXXX XXXX - said on XX/XX/XXXX was denied XXXX review but reviewing again. Was denied DTI for HAMP being below the XXXX %. 

On XXXX/XXXX/2016 XXXX was told Seterus had a complete package but then an NOD Posted to the homeowner 's property on XXXX/XXXX/2016 leading to unnecessary fees incurred by the homeowner. 

XX/XX/XXXX letter - facially complete - now 3-45 day review period. Based on new docs received. 
Check back in 2 weeks. 

I 'd like to escalate this file to you due to XXXX XXXX 's offer that meant absolutely nothing apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EVERYTIME THAT I TRY TO GET MY FREE CREDIT REPORT AND IT ASKING ME QUESTIONS THAT IS ON MY CREDIT THAT I HAVE NOT HAD MY HANDS IN INCLUDING ACCOUNTS AND LOANS.

Company response to consumer: Closed with non-monetary relief