vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 was paid as confirmed by XXXX XXXX XXXX!!!! ( See Attachment )!!! Yet XXXX is showing a balance due ... No due diligence by XXXX nor Equifax who has been notified by both me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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:
Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have credit monitoring service with Equifax. Today I called to lock my credit reporting down as I received a notice from the IRS that my SSN has been breached. When I called, my call was picked up in XXXX XXXX. Equifax has an offshoring contract with a company in XXXX XXXX taking SSN, mother 's maiden name, address, and phone number with access to my credit file. This is in direct violation of the FCRA. When speaking with the representative, I also found they had a number on file that was not my phone number and refused to tell me where that information came from. Getting intouch with anyone in the US that works at Equifax is virtually impossible. As victim of identiy theft in the last year, the questions Equifax asks for verification are the same questions my hackers had. Anyone can call in and pretend they 're me. I know this, because this happend in the breach that promted me to pay for the extra protection.There is no additional security provied for the {$20.00} a month I must pay. 
The entire practice of Equifax and their credit monitoring must be looked into. The IRS, XXXX and others encourge this service that adds to up a great deal of money up for Exquifax, and money the consumer is FORCED to pay because there is no other option. But my information is not secure. It is offshore and without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've disputed accounts listed on my Equifax credit report numerous times and the bureau refuses to correct the errors. The other XXXX reporting bureaus has corrected them and even deleted a few from my reports on their bureau 's reports, but Equifax has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation Dear Sir or Madam,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
For the past 15 months, I have noticed that EQUIFAX continues to report key factors that adversely affected credit scores. These key factors appear to be verbatim. EQUIFAX has yet to respond to these concerns. 
EQUIFAX stated that they have reviewed my concerns and concluded that I need to be specific with concerns by listing account names, numbers and nature of dispute. When a creditor sends a letter, they list the key factors that adversely affected their decision and the credit agency who reported these key factors. On XXXX XXXX, 2015, EQUIFAX reported credit scores of XXXX to XXXX XXXX Bank, XXXX to XXXX XXXX and XXXX XXXX, 2015 a credit score of XXXX was reported to XXXX. Why is there disparity in these score within the same day? I have become frustrated in the way EQUIFAX has been reporting my credit information. Why does companies continue to accept the credit agency information as gospel. Is there any way that the consumer can be a part of this decision making process? Why are these credit bureaus allowed to be a powerful influence and the consumer has no say so in whether he/she is approved or not approved. I conducted some research on my own and I found that some people feel that they are fighting a losing battle and the creditors are going to accept what the credit bureaus are providing, with no input from the consumer. Even if something is reported incorrectly, you will have to wait until the 60 days before issue is corrected. By that time the consumer could miss out of favorable credit rates. I have attached several letters that have been submitted to EQUIFAX in reference to key factors that continue to adversely affect my credit scores. The only responses received would be their investigations/reinvestigations, which does not address these key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I received a phone call from Seterus mortgage/debt collection company inquiring about my monthly mortgage payment. The payment was not made on the XXXX but instead on the day they called which was the XXXX. I inquired as to why they were calling within the 15 day grace period and that I have never missed or been late on a mortgage payment. They said they will call until they receive the payment unless it is made on the XXXX irregardless if the payment is made within the grace period.

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 — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am making formal complaint against XXXX and Equifax Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into Equifax and XXXX Reporting Agencies and also XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is currently reporting a released tax lien. The information that is being reported is not correct. This information has a date being reported as XXXX/XXXX/0001. This is not a valid date and under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.

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 — Account terms
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
The account was deleted by Equifax And XXXX because is from 2006 And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I received an alert from the credit monitoring service that I use advising that a new account had appeared on my Equifax credit report. When I logged in to review the alert I was also informed that Equifax had removed XXXX accounts from my credit report and added the new account. I find it strange that on the same day that I have a new positive account reporting in the amount of {$19000.00} that Equifax would removed XXXX positive accounts bringing my credit score down by XXXX points, this also affected my account age history as well. XXXX - closed account was removed, XXXX XXXX - closed account was removed, XXXX, - closed account was removed, XXXX XXXX Bank - closed account was removed, XXXX - last payment XXXX XXXX was removed, XXXX XXXX Bank - closed account last payment XXXX XXXX was removed, XXXX XXXX - closed account last payment XXXX XXXX was removed. All of these accounts were in good standing and should have not been removed. The removal is an effort by Equifax to keep low credit scores low. This type of behavior has to stop!!!!!!!! I work hard and I pay my bills in an effort to increase my credit score and I should not have to be attached by a company that is suppose to be neutral. I contacted Equifax immediately to discuss the concern. The representative and then the supervisor both told me that no accounts had been removed. I then requested the supervisor to review a report from last week and compare it to the current report. The supervisor advised me that they can only see the current report and not past information. There was also language barriers that made dealing with both representatives difficult. This is another complaint that I have with Equifax, how can you outsource a job to individuals that do not have a full range of English comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I refinanced my home mortgage to a lower interest rate and, because of a bonus received at work, I paid off my all other credit accounts. I included a first and second mortgage in the refinance but did not increase the overall amount owed. To my surprise, all of the credit bureaus ( XXXX, Equifax , XXXX ) lowered my score from over XXXX n XXXX ( good ) to the XXXX, XXXX, XXXX ( poor ) in XXXX! This is counter-intuitive to me. I am in better financial shape now than what I was XXXX! 
I even asked XXXX how they calculated the score. They refuse to disclose the algorithms they use to calculate the score and only provided generalities. 
This is just not fair. I am in the process of going for XXXX jobs where they may pull my credit score and it may prevent advancement in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My home suffered damage during the natural disaster, hurricane XXXX. The insurance company sent the repair check to my mortgage company, seterus, who refuses to discuss releasing the funds to me, for me to repair my home. Seterus representatives have also threaten me with foreclosure. I have roof and interior damage, that need to be repaired ASAP to avoid further damage from inclement weather and the possibility of mood developing. Seterus actions as a result of a natural disaster should be illegal and they should be investigated and charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I received XXXX from Step Forward through the hardest hit fund they approved the money around XXXX 2015. Step forward sent money to Seterus Inc. shortly after and seterus is holding the money and XXXX additional payments -I 've made the money is suspended.. The money is from the hardest hit fund in my because I continue making on time mortgage payments through out the mortgage crisis that left me under water and now have hardship. I have consistently .tried to do the right thing. these people are rude jealous and unprofessional. I would rather keep my house and do right instead of just shutting down and going into foreclosure and asking Step forward to take back the money. MY loan is # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
A hard inquiry was done by Equifax, XX/XX/2016, it was concluded that it should not have been done., the company. Sent documents to all XXXX CRA 'S showing inquiry should be deleted. Equifax has not removed it yet. XXXX and XXXX have. Document from company was sent to verify removal to Equifax, they said they need a call or electronic submission, they said it was their policy. I want the inquiry removec

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been sent a letter of dispute and was given 30 Days to respond to the first Dispute. 30 Days after not responding they were given 15 Days to Remove the account that they never responded to or disputed. It has now been almost 60 Days and still no response from Equifax in regards to my dispute. Please see attached the return receipt request as well as the documents that were mailed each time for your review.

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 — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ability recovery services Did not provide adequate verification for debt in question no documents were provided showing a contract or signature

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I was going through my credit report and listed on my report is a previous address in XXXX XXXX. I have never visited, or lived in this state. I have always loved in the State of XXXX. I have only visited the states of XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Apparently there is some identity theft or fraud happening, or has happened in my name. I would like this to be investigated thoroughly and some type of report submitted on behalf of my name to clear up any errors or collections that I have no connection to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested my free annual credit report from all XXXX Credit Bureaus ; of which I received from XXXX and XXXX. Equifax constantly states my information given does not match their records. So I then go to the Equifax website to try to dispute info on my credit report. Again, I still receive the same message. I have a XXXX account and I put the same info they have listed on their into Equifax online dispute form page and it sates, " Information does not match their records ''. So I call Equifax and am told to fax over documents and if I want to gain access to my credit file online I would have to pay for it. I believe Equifax is giving this prompt out to many people so that they can sell you your credit report and make profit. The information I 'm putting in is the exact same as I see on my XXXX XXXX profile page. I currently do not have a mortgage, car loan or credit cards but the security question prompt will not accept " None of the above '' as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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:
I have disputed several reports on my Equifax credit report. After repeated request for Equifax to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax consistently has false and outdated information and their online dispute resolution kicks you off automatically if your computer refreshes the page. It then locks you out of your account unless you fax them information. In this day and age, faxing is a rather significant hardship for most people, since almost no one has access to a fax machine. I believe this is to make it intentionally difficult to call them to account. Furthermore, they provide a number to get " priority access to a live customer agent '' when in fact it is simply an automated line to send you a hard copy of your report that can not be used for any other purpose. Their everything seems designed to simply make you give up. Where is the accountability?

Company response to consumer: Closed with explanation