vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am total dismayed by the reporting practices of XXXX XXXX, Mn.XXXX. 
I would like to file a formal complaint regarding the XXXX items, listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX {$310.00}, collection*XXXX # XXXX, XXXX XXXX XXXX {$310.00} , collection. 
The above acct. XXXX XXXX XXXX # XXXX was deleted from XXXX credit bureau 's XXXX XXXX report, in XXXX. 
I pulled a Equifax XXXX report dated XX/XX/XXXX # XXXX that showed the above acct.XXXX # XXXX, ,which is the same acct.being added by to my credit reports. 
This caused my XXXX to drop from XXXX-to- XXXX, my XXXX score from XXXX-to-XXXX. 
XXXX, fraudulent reported inaccurate information stating that the acct.was open XXXX, I had a high limit of {$310.00}, reported XXXX, This information was reported fraudulent & inaccurate to deliberately further damage current credit scores, & future ability to obtain credit. 
This acct.was open XXXX & reported XX/XX/XXXX, XXXX, deliberately & fraudulently changed the open date to XXXX, & reporting date XXXX, which made it look more lack a recent collection acct,60 days past due. 
That is not right toward any consumer & should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Was a cosigner and instead of checking main applicant, salesman took it upon himself to totally check my credit without notifying me until the day to sign I find out the loan was all me instead of the actual individual that I cosign for. That is why I have so many hard inquiries. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all three credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus XXXX, Equifax , and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I applied for a mortgage loan I found out that there were XXXX items on my credit report related to medical bills. Both items have been paid in full through my insurance and the balance paid by me. Yet both appear on my credit report as a debt that is in collections. I have checked with both offices and they indicate a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX Bank account was charged off. Account was paid in full to XXXX. I spoke with XXXX Bank XXXX, rep id XXXX, in XXXX at XXXX on XX/XX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I had a state tax lean put on my credit file with Equifax. I got notified of the public record, because I moved and never got the notice. After tracking down the source, it was a system error, they released the lean and I filed it with the record of deeds. Equifax reported it paid/released. I was then told after looking into it again it would be removed. The other XXXX agencies removed, but Equifax says they verified it. Using the information on the report, they could not even find a lean for me, so therefore they did not verify it with the information they provide me. Telling them this, they offer to dispute it again, giving the same result. How did they verify using the information provided, information that I cant verify using information supplied by report. I want it removed as it should of been a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 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 open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting a judgement on my account that does not belong to me case number is XXXX. I 've enclosed the case information. 
1 ) I 'm not the defendant that 's being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed these charges for XXXX XXXX XXXX on my credit report to all XXXX credit bureau 's. 
Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked 16 hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am XXXX no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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 disputed my credit report online and have n't heard from the company at all. After checking my credit report on XXXX XXXX I realized that the credit bureau did not take the required actions to delete the requested accounts. The XXXX credit bureas has taking out the requested information from my credit report, but Equifax is refusing to do it by not working my credit report and getting back in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ca n't get any information from Equifax , I do not know what is ask of me. inreferrecne to XXXX accounts supposedly I open, problem is I have no acknowledge of these. there fore am not allowed any information. ca n't prove this me. I called and the same,. I have never been able to get a report from this company since 2012 for the same resons. I never bothered to look into this matter. but now on my credit report there are showing an incorrect information that is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Unreasonable delays ; long waits on every phone call. Generally, I wait for over XXXX minutes to speak to someone. No one point of contact is assigned and they fail to review the file and update the requests. Repeated ask for things they have and request things that are not relevant to the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed to XXXX, XXXX and Equifax the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state XXXX to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but XXXX and Equifax continue to not delete the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has refused to send me a copy of my credit report several times this year. I sent the last and most recent request for my full report to Equifax in late XXXX 2015 because I 'd learned only recently that XXXX XXXX lowered my credit limit on a credit card I 'd had for more than a decade because of false information Equifax provided to it. Yet, as copies of letters to Equifax from earlier this year that are attached to XXXX previous CFPB complaints about Equifax demonstrate, I have asked for a complete, corrected copy of my credit report from Equifax several times this year but it has failed to provide it. There is no way I can know what false information Equifax continues to carry in my file or has newly added to it without being able to review my entire file. 

XXXX previous CFPB complaints against Equifax this year alone indicate a breathtaking amount of false information in my Equifax credit file, including that which significantly and intolerably undermines my identity. XXXX previous CFPB complaints about Equifax ( # XXXX, submitted on XXXX XXXX, 2015 ; and # XXXX, submitted on XXXX XXXX, 2015 ) document Equifax 's multiple stone wallings and denial of my rights that supposedly govern its operations. It has falsified my birthdate and refused to indicate where it got it from or why it inserted it into my credit file. 

Please force Equifax to provide me with a full, complete and accurate copy of my credit report immediately. It provided false information to XXXX XXXX and I have been denied credit and have been charged more there because of Equifax 's injury to me and its habitual refusals to comply with the law. ( A lower credit limit at XXXX XXXX entails fewer discounts on anything I buy there, and have bought there, this year. This drives up the price for all purchases at the store. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I owed a debt to XXXX XXXX XXXX, Account # XXXX. I paid this account in full, XXXX balance, per the attached letter. Equifax has been notified many times, and refuse to change verbiage or balance.

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

Complaint narrative:
XXXX XXXX is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information : Equifax Information Services LLC has ignored my request and failed to investigate and to provide me with the results of the investigation. 
Requested an investigation on XXXX/XXXX/2016 To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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: AZ

Complaint narrative:
There is a withdrawn Federal Tax Lien Still Showing on my credit report that was withdrawn on XXXX XXXX 2015. On multiple occasions I have disputed this with Equifax, Providing Equifax via fax a copy of the Irs withdrawl form. Equifax continues to improperly report the lien and refuses to recognize the withdrawl.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I tried to get my free annual report online tonight from Equifax. It asked me various " ID verification '' questions and said my answers did not match what was on file so they would not give me my report. Based on the mismatch, I placed a 90-day fraud alert assuming someone gave them erroneous information pretending to me. Then I tried to get my free report for placing a fraud alert. Again they would not provide it since my answers did not match their records. This is foolish of them since that is what one might suspect if someone fraudulently gave them erroneous information pretending to be me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, has had a account on my Equifax credit file too long. I filed Chapter XXXX Bankruptcy in XXXX 2008 and informed the court of all my present accs at that time, XXXX never responded to be added to the claim but years later reported to the credit bureaus that I still owed them. I decided to pay the amount anyway but they refuse to remove info from my credit file. I have reported this to the credit bureaus and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Some time ago someone at a Creditor entered my name as XXXX XXXX XXXX vice XXXX XXXX XXXX an obvious typo. Also reported an Employer as XXXX XXXX, vice XXXX XXXX. Again a typo by someone doing data entry. For years I have received credit offers to XXXX XXXX XXXX. Tried of it and would like my Equifax Report corrected. I have contacted XXXX and they have corrected via their process. Hoping this works.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
I opened an online savings account with Discover Bank with the promotion code XXXX, which was to award new savings account customers with {$100.00} if they open a new savings account by XXXX/XXXX/2015 and fund with at least {$15000.00} by XXXX/XXXX/2015. When I entered the promo code in the account application process, it immediately showed the terms of the promotion, so I felt confident it was being applied to my account. I opened the account on XXXX/XXXX/2015, and funded it over {$15000.00} by XXXX/XXXX/2015. However, now that the 30 days has passed since funding ( the specified time frame in which the promotion was to be awarded ), I contacted Discover and they informed me that they had no record of a promotional code being used to open my account. I would not have opened the account, or had the predictable transaction pattern, had I not signed up for this very specific offer which appeared to be successfully applied when I opened the account. They are now saying it will take them 8 weeks to investigate my case, for a promotion that was supposed to have paid out in 4 weeks already. This seems like an extreme amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I filed a dispute ( # XXXX ) in reference to judgements placed against me that were paid and even faxed court documents verifying judgements were either paid or removed at which time my equifax score was XXXX. I had trouble talking to the people at equifax and asked for a supervisor and that person could not speak XXXX any better and we got into a XXXX match and one week later I see my score was dropped XXXX points without explanation or reason and when I asked for my report they tried to charge me for it even when it has been over a year since I got my last on ( XXXX 2014 ). I feelthey are not being fair in their reporting and have made it impossible for me to obtin a home loan thru my bank and the VA

Company response to consumer: Closed with explanation