vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is fraud and I put the letter of the law in a certified letter to Debt collector and have been ignored and harassed for the debt, which is inaccurate and wrong to begin with, I would like debt removed and my credit score prefect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I divorced my husband and the deed was signed over to me. During the divorce, my home went into foreclosure. The mortgage " note '' is in XXXX our names, but the mortgage is only in my ex husbands name. The mortgage company XXXX Seterus XXXX Inc. XXXX refuses to work with me for a mortgage modification, because my ex-husband refuses to cooperate and I am not on the " mortgage ''. The mortgage company is trying to force me out of my home with my XXXX kids without offering any type of mortgage solution. I am weeks away from my home being auctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have requested that all XXXX credit companies Equifax , XXXX, and XXXX XXXX to remove any and all items related to my ex husband. Also have asked to remove negative items and incorrect personal info. They have not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I opened an XXXX XXXX Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The LLC became insolvent, and XXXX XXXX called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing XXXX XXXX agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. Equifax, is still being told that " it 's my debt '' by XXXX XXXX even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit. How can they continue to report this with no supporting documentation from XXXX XXXX even though they HAVE documentation from me proving that it should be removed? How can they say " they have no control '' over what they report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to remove an account from my credit report from XXXX. I have notice received through the Consumer Financial Protection Bureau from XXXX stating that they have requested Equifax to remove the account information as of XX/XX/2016. Today is XX/XX/2016 and Equifax continues to report this incorrect information. I submitted a notice through the CFPB with a copy and they ignored the letter. I am re sending this as a final notice that this should be removed. It is unfair for them to continue to damage my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
For the past few months, I have attempted to get a credit card through XXXX XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Case Number : 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 — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Case # XXXX - XXXX XXXX This has been paid and fully satisfied. Attached is the letter of confirmation dated dated XXXX XXXX, 2014. Record at XXXX on XXXX XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit XXXX. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and XXXX times, they sent a letter back stating the account is correct and will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have submitted proof that certain accounts are not mine and these accounts have not been taken off. I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Would Like To File For Identity Fraud And Clear My Name. From XX/XX/XXXX-XX/XX/XXXX I Was XXXX And IN Between XX/XX/XXXX-XX/XX/XXXX Someone Was Using My Name And Social Yes For Mortgage Loans, Student Loans, And Auto Loans. I 've Never I REPEAT I 'VE NEVER FILED FOR ANY OF ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It was determined that a tax lien was filed against me in error. The Department of Revenue released the lien and the reporting of such lien by the Clerk of Courts. I sent a letter to all three credit reporting agencies. The lien was removed from my XXXX and XXXX credit reports, but Equifax refused to honor the letter. I contacted them again regarding the matter and they still refuse to remove the error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all XXXX bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, XXXX, and Equifax via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX is VERY convincing when they say my home loan not being restored to be reported by EQUIFAX is completely XXXX 'S FAULT. 

XXXX is very convincing when they say that it is EQUIFAX 'S fault that the home loan is still not showing on EQUIFAX. 

Both parties seem to be engaged in a XXXX stand off, that by definition requires a third party to end. 

There is a NEW XXXX stand off between XXXX and EQUIFAX and my autistic son XXXX XXXX is getting hurt by XXXX and EQUIFAX blaming each other instead of restoring my perfect XXXX year payment history so I can get a personal loan to fix my son 's teeth. An emergency room doctor said that if he had teeth like my son, he would want to be on morphine until the teeth got fixed. XXXX can not take morphine and is suffering intense pain until XXXX and EQUIFAX undo the damage preventing me from getting a loan for XXXX ' dental XXXX. This nightmare has been dragging on for months now. Here is a link that shows you XXXX was engaged with a similar XXXX Stand Off with TransUnion in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with XXXX and another party with me and my son trapped in the middle. This should not even be happening. 

While the lion 's share of this ordeal rests with XXXX for creating the problem in the first place, EQUIFAX is not making it a priority to resolve the problem and is engaging in the blame behaviour which creates a XXXX stand off situation. Both parties need to realize they are harming an autistic young man who has done nothing to deserve the XXXX their ridiculous delays are causing him. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX home service was to install service in my apartment at that time, they installed service in the downstairs apartment, which was not mine and charged me for installation and fist months service fee 's and charges.

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

Complaint narrative:
Through XXXX and XXXX, my credit report shows that my XXXX XXXX account is " closed '' and in collections. On my Equifax report, it is showing that it is " open '' and in collections. Because it is listed as " Open '', and payments are going to a collections agency rather than the original lender, I am incurring " missed payments '' on my Equifax report. I filed a dispute, and the account 's closed date was verified, but was still not updated on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I was instructed by my bank to obtain a fraud alert after my social security number was stolen. I followed the instructions using Equifax. In the mail, on XXXX XXXX or so, I received instructions from Equifax on how to obtain my free credit report pursuant to the fraud alert I had requested. I utilized the online tool provided by Equifax, but the final screen said it could not print my report. When I turned to the automated phone system provided by Equifax, the phone system did not ask for my full mailing address but did manage to extract my social security number. The system did not allow me to order my free report but rather gave me options only for a paid credit report. The automated system had no option for talking to a human being so that I could actually obtain the free report to which I am entitled. Equifax is making lots of money by hiding the ball as to how to obtain the free report to which I am entitled as a victim of fraud. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This judgement has been vacated and needs to be deleted from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax reinserted previously deleted information on my credit report. The following accounts was previously deleted from my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, MN Child Support Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Someone has stolden my identification card with all my information in it, also says I have a morgage in which I never aplied for. I do not even have a house at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have faxed proof for payment. on accounts. XXXX account goes back as far as 2011 paid. still showing not paid late. i have documents to mail of fax to you .please help this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i have a fraud alert placed on my Equifax credit file that i have no knowledge about. I disputed the alert with them and was told that my file has no freeze or alert on it when it fact it does. I pulled my credit file today and i attached proof of my complaint

Company response to consumer: Closed with explanation