vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Because Equifax have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Equifax are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is twenty seven times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over 4 hours on the phone with telling the same story over and over again to people who hardly speak English and have no idea about the US postal system. Eventually I had to start all over again for the XXXX time. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.

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

Complaint narrative:
I have had a judgement on my credit report for XXXX years about XXXX XXXX Inc/ Serenade Apartments. This judgement was satisfied and I exceeded the disposition taken to not have any repercussion against me. However, I have dispute this transaction several times and received the same outcome with it being on my credit. I believe that there are XXXX claims with this entity against me. I will be providing documentation to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX/XXXX/16 mailed a letter and included required supporting documentation to 1 ) have my married name updated & 2 ) address updated. Results - address was updated but name was not. 

XXXX/XXXX/16 - phone Equifax. Result - name was updated incorrectly. 

XXXX/XXXX/16 - opened an online request. Result - Equifax marked it complete the same day with out taking any action. Name is still incorrect. 

XXXX/XXXX/16 - phoned Equifax. Informed it will take 30 days to have name updated. Request is already 6 weeks old and 30 days is not an acceptable amount to time to complete such a simple customer service request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I 'm a victim of identity theft, the account # XXXX XXXX is a fraudulent account and it was reported to my XXXX credit reports, after I contacted them they removed and deleted it all from my files. A week latter Equifax reported it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
When I originally took out a refinance mortgage, XXXX XXXX the underwriter for XXXX XXXX required that I pay some creditors on my credit that did not belong to me. The title company cut checks to each of these creditors. They gave me the checks, when I called the creditors to get mailing address they stated that they did not have an account for me. I explained about them being on my credit reporting and again they stated that there was no where to apply funds because they do not have an account for me. I tried for years to get some one to help me I could not afford an attorney ... .I am XXXX years old XXXX would not help me. I have asked Seterus repeatedly to prove ownership of the loan the copies of the loan docs prior to this transfer, my good faith estimate, my truth in lending document, they will not mail it ... .then stated that it would be XXXX per page ... I agreed but they never sent anything. I am receive XXXX per month, my mortgage is XXXX. I am paying for money that I never received ... .please help.

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: GA

Complaint narrative:
I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : Equifax , XXXX and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have listed several inquiries on my credit file that remain and should be gone. At this point i have items on my file that also are not mine and have forwarded time and time again corrected data to these agencies with no help. The following inquiries are not mine XXXX XXXX, XXXX none of these inquiries are mine. i should have XXXX inquiries at this point, XXXX XXXX account # XXXX was a result of fraud my husbands ex wife opened this account and i have told them this several times yet it still remains on my report, XXXX XXXX account # XXXX was a fraudulent account opened by my husbands ex wife as well, Though i have contacted all agencies multiple times these items remain on some reports. If we can just get these inquiries that i did not authorize off ( the excuse they give me is that they are of factual record, The factual record is I DID NOT GIVE MY PERMISSION for these inquiries and want them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I tried to switch TV service to XXXX. Several attempts were made to get my credit infor from Equifax. XXXX only uses Equifax. First Equifax advised that I have a security freeze. I do not. I have fraud alerts due to identity theft XXXX yrs ago. The reps were impossible to understand their English. I was told I needed to write to get the security alert lifted. This is incorrect as I do not have a security freeze. After several calls over 5days, I was told that XXXX needed to only use my XXXX . XXXX would only submit with XXXX. 4 times I went to XXXX. XXXX reported XXXX ordered by credit report and gave their sales rep a ref. number ( total XXXX ref. numbers as their sale rep still could not get my credit infor. Equifax has done this to me before. That is how I knew it was not a security freeze. These errors cost me money. I still do n't have XXXX service ( choices in area are limited ) and I have a " hard inquiry '' on my account. Credit reporting agencys have too much power and abuse it. I ask that both XXXX and XXXX be contacted and my " hard inquiry '' be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Because of an inaccurate name, address, and account that appeared on my other XXXX credit reports, I wanted to check my Equifax report. I answered their identity-verifying questions accurately, but it rejected me, which REALLY worries me. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.

Company response to consumer: Closed
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX, XXXX, XXXX, etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX INFORMATION SERVICE LLC XXXX XXXX XXXX, GA.. WWW.EQUIFAX.COM PH # XXXX ON THE DATE OF XXXX/XXXX/2014CONFIRMATION # XXXX STATE THAT SEVERAL ON MY CREDITT REPORT BELONG TO ME. IT IS THEM CREATING A CREDIT REPORT SCORE FRAUD THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi, Ca n't reach any companies by these names.Do n't know if these accounts are mine. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has agreed to remove any marks on credit reports for debts sold since 2007. XXXX has not removed this account information from my credit report. 

" For all credit-card debts sold since XXXX 2007, court records show, the bank will remove any marks on consumers ' credit report ''

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

Complaint narrative:
ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!

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: FL

Complaint narrative:
Describe what happened so we can understand the issue ... 
I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past 22 yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a XXXX. 
4. The employment information is incorrect - Remove and I do n't wish to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus/XXXX in CFPB compliant XXXX, I complained that Seterus is not providing me with the assumption documents due to be heir to my dad 's homestead that under florida law upon his death by default I become owner of the property. Seterus responded that I still need to provide other documents to proceed with the assumption documents. 
I have filed bankruptcy protection on my property as heir at the time of my dad 's death. 
Seterus did not dispute my ownership to the property and is requesting to continue the mortgage payments, thus its concession of my standing as ownership. 
XXXX district of florida XXXX How can i continue the loan payments when seterus is not providing any documents executing me the legal title owner of the property and responsible for the mortgage loan Until I execute the required documents to assume the loan why should I continue making the payments Seterus is willfully violating federal law, Garn-St German Act ; CFPB Final Rules 12 CFR part. 1024-1026 XX/XX/2016 and regulation on assumption of loan as heir to decease father and at the same time grossly unlawfully in bankruptcy proceeding requesting me to continue payments.

Company response to consumer: Closed with explanation
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: NC

Complaint narrative:
I filed with equifax a dispute about XXXX account it has been consumer dispute no resolution 's for over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax says I have to go to XXXX to get a report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My husband and his previous deceased wife have a collection on his credit report from XX/XX/XXXX. I called the collection company 'Outsource ' to get information on his report. They now have that collection debt on my credit report! I called the company about my credit report and that the debt is not mine - this occurred in XX/XX/XXXX and I married my husband in XX/XX/XXXX. They did agree and stated that they would remove it from my credit report. This was on XXXX/XXXX/XXXX. They informed me to " check my credit the next week and it would be removed. '' I again checked my credit report on XXXX/XXXX/XXXX and it was not removed. Again I called the collection company 'Outsource ' and again the manager agreed that it should be removed and they would have it removed as soon as possible. I did question their process because they stated they had given information for it to be removed from my credit report previously, but it had not been removed. Checking my credit report today - I am showing that the collection is still on my report and has not been removed and I am showing that XXXX/XXXX/XXXX was the date it was reported. ( I am assuming this was the updated date of any information from the company ). If they are reporting ANY information in a timely manner, would it not be removed by now? This has greatly impacted my score - it has dropped XXXX-XXXX+ points! Will this be corrected? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting a medical debt on my name under collection account in the name of " XXXX '' in the amount of {$440.00}. It was deleted off my credit file in XX/XX/XXXX because the collection agency failed verify the debt in 30 days. But Equifax reinserted the file in XX/XX/XXXX and since then refusing to investigate the account even though this account is closed and ca n't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: UT

Complaint narrative:
I filed a bankruptcy in XXXX XXXX and it was Discharged in XXXX XXXX. Items are only supposed to remain on credit from 7 years after date of last payment, which is has been. This account should have fallen off of my credit report after XXXX XXXX, but it is still reporting on XXXX. Also, Seterus sent an update to my credit file in XXXX XXXX, which is against bankruptcy laws because they are further damaging my credit after my bankruptcy discharged. This is preventing me from obtaining financing and I have called Seterus to try and resolve this issue to no avail.

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

Complaint narrative:
I had submitted documents to Equifax pertaining to an account that had been shown to be antedating to reflect a different first date of delinquency. The account from XXXX is past more than 7 years from the first date of delinquency and Equifax would not correct or did n't perform an adequate investigation from the furnisher who submitted the account to collection not XXXX. The information provided was directly from the furnisher to illustrate the antedate of the account. I would like this to be deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do n't know what else to do with this situation! Medical bills are arguing my credit! I pay my bills ... .. Please stop giving me bills that should be pay by my ex husband ... ... he paid all before our divorce

Company response to consumer: Closed with explanation