vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts

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

Complaint narrative:
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to let you know that Equifax is violating the Fair Credit Reporting Act because they have failed to remove an item on my credit report that is in dispute. I previously disputed a collection with XXXX, account number XXXX because I was n't sure what the account was for. Equifax was the only credit bureau to verify it, as XXXX and XXXX deleted it. But I did n't have time to file another dispute because I am in the process of getting a mortgage and the statement of this item being in dispute needed to be removed. I am not sure why Equifax removed the statement of being in dispute on XXXX other accounts, but not this XXXX. I even called in and they gave me confirmation number XXXX and to call XXXX XXXX XXXX XXXX to check on status. Now when I checked my credit report, the statement of dispute is still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The gas company, XXXX XXXX terminated my service regardless of my on-time payments. My communication with them lead to disconnecting my gas service. The account was paid in full. They have even issued overpayment refund. They are reporting XXXX late payment on Equifax and my dispute with both XXXX XXXX and Equifax yields that the negative information is reported over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
open judgements being investagated since 2011 sill in pending stausnot completedall judgements dismissed with courts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
They claimed they investigated the claim filed about my dispute when in fact they did not. I had to contact the companies myself to have some fraudulent information which are falsely placed on my credit report. Even after contacting them with verification from the agency and proof that the information needed to be deleted, they refused to delete it. I tried contacting their special handling department to explain the situation. The representative on the phone was rude and when I requested to speak with his supervisor, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they are required by law under Section 611 ( 5 ) ( A ) of the FCRA 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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XX/XX/2016, XX/XX/2016 and again on XX/XX/XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit bureau " Equifax '' had mixed my credit report information and my brothers credit report information. I contacted them in XXXX XXXX about this issue and after sending over requested proof and verbally telling them all of my accounts they did an investigation and started my credit file with them. Until XXXX/XXXX/XXXX I did not have a file with them, however I have credit history from at least XX/XX/XXXX. 

My current issue is that my accounts are not updating currently to show the most recent information, they show incorrect balance information and other incorrect information. I believe this is is because my file is still mixed with my brothers, my brothers credit file still includes my name, social security number, and all of the accounts that are listed in my credit report. 

Equifax 's inaction to correct these issues has caused financial harm to me by listing incorrect information on my credit report and reporting a lower score than all other credit bureaus because of this incorrect information. 

I contacted them on XXXX/XXXX/XXXX about this issue and they told me it would take several weeks to hear back. At the end of the call the service rep spent five minutes pressuring me to buy their credit monitoring for {$12.00} a month so that I can " see the status of this investigation. '' This is a clear conflict of interest ; Equifax has a incentive to not correct mistakes and refuse to update my file and follow up with my complaints when I do not subscribe to their service in order to pressure me to subscribe to their service so that I can see what is wrong with my credit report. An " annual credit report '' for free is not sufficient when issues like this arise, in cases of valid disputes credit bureaus should allow online access to credit report file for free from the start to the end of an investigation. 

Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is an account on my credit report that I have disputed several times with Equifax. XXXX and XXXX have deleted the item from my credit report because it is past the statute of limitations. However Equifax persists to have the item remain on my credit report. I do n't know how long they plan on reporting it, however, at this point I can not afford to wait. I have loans pending and this item is holding me back. The item is a dismissed Bankruptcy from 2007 ( Case No. XXXX ). From all of my research this item is supposed to be removed 7 years from the filing date. We are now at over XXXX years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Cc : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number ( s ) : XXXX CERTIFIED # ( XXXX XXXX XXXX XXXX XXXX ) Request for Admissions/Default for Non Response To Whom It May Concern XXXX XXXX XXXX XXXX I refer to the previous CONDITIONAL ACCEPTANCE package received on XXXX/XXXX/XXXX Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Your company did not answer my request " Point by Point '' as Required by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is Public Record Information on my credit profile that I feel is inaccurate in its filing. This derogatory is dismissed and as the term " Dismissed '' means that it is adjudicated by the law, I challenge the bureaus. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they DO NOT VERIFY to credit agencies. By law I have a right to the complete identification of who " VERIFIED '' this to be accurate. This discrepancy has prevented me in my personal life 's pursuit. I am asking the CFPB to advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not been able to obtain my credit report from equifax because they have mixed my information with my deceased grandmother 's. I would like a copy of my report to resolve any mistakes there may be on that report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Some personal information listed belongs to another family member

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand to see Verifiable proof of the account they listed on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have filed disputes with XXXX and XXXX. I received my free credit report online for Equifax and got kicked out. I have yet to be able to get back in to file the disputes. They keep saying they ca n't find my file. I printed the transaction page with my code on it which is more than the XXXX digits they keep asking for. I did n't know about the issue and once I found out only because I was checking my own credit via XXXX XXXX, I figured out what was going on. I paid all items on XXXX/XXXX/2015 and the case was dismissed. I ca n't even get into Equifax to dispute it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have notified Equifax numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Equifax on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Treatment by my mortgage company ( Seterus ), SPOC document issue, Unknown fee on a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Finally received my annual credit report from Equifax on XXXX XXXX. 
First request for my Equiifax credit report was made on XXXX XXXX. 
Equifax took over 5 months to respond to my request. 
This delay by Equifax is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is misspelled over XXXX times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My student loans were rehabilitated in XXXX through the XXXX. As such the defaulted status on all student loans/tradelines on credit report must be removed. Moreover, after most of my student loans were updated I noticed XXXX from XXXX that was still reporting as defaulted and showed incorrect information regarding prior late payments. My loans did not mature for payment until XXXX as such I was in a forebearance/hardship deferment from XXXX through XXXX and another in XXXX until I was denied. I did fall behind in XXXX but only because I was denied a hardship even thought XXXX would not work with me. I was working for the XXXX as a single mother with not a lot of income. However, I found another job making more money and started my rehabilitation. As such my loans are in good standing. I would like my credit report to reflect accurate information I worked really hard to get back on track and I deserve my credit to reflect the same. I have sent several letters to both XXXX and the credit bureaus with no help from either but rude individuals. I have all supporting documents to show that XXXX is still reporting defaulted, reporting incorrect late payments, I have all of my forebearance information. After disputing with them, they sent me loan information which I attached indicating I was 0 days delinquent and paid yet reporting differently to credit bureaus. I sent the same to credit bureaus and they still validate the information being reported? I have attached the most recent letters but I have been disputing the same for months and had an Omnibudsman involved named XXXX XXXX with the U.S. Department of Education, who I never heard from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was made aware of a false collection report that appeared on my Credit Report through XXXX XXXX. I opened up a dispute to the claim, but feel there are more important questions for an oversight entity to find out and get answers. First question, how does a debt collection agency add an item to someone 's report without having proof of debt, and second question, what proof of debt is required to add such item ( SSN, their say so, or a contract with my authentic and original signature )? According to this occurrence, there is nothing in place to prevent these types of bogus claims being reported on somebody 's credit report to protect the consumer, which is what the CFPB is supposed to be protecting and overseeing the Credit Reporting Bureaus, and making sure they are reporting the most accurate information available. If the appropriate information is not available, then it should not be added. I would also like to know what is deemed as " appropriate information '' would be needed to add such a claim to a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I TRY MANY TIMES WITH THE CREDIT BUREAU AND THE CREDITOR TO REMOVE THIS ACCOUNTS FROM MY CREDIT BUT STIIL ALL THIS ACCOUNT ARE IN MY CREDIT REPORT.I TOLD ALL THIS PEAPLE THAT THIS ACCOUNT WONT BELOWN TO ME .THIS IS THE FIFTH TIME THAT I ORDER A NEW CREDIT REPORT AND THIS ACCOUNTS STILL IN MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus sent me a letter stating that I am eligible for a {$5000.00} incentive in coordination with my Home Affordable Modification ( HAMP ). Their letter states, 'this new benefit of {$5000.00}, which will be applied to your unpaid principal balance after the sixth anniversary date of your first trial period payment due date ' ( which for me XX/XX/XXXX so I should be receiving the benefit six years later, XX/XX/XXXX ). But when I called Seterus, they said that they are changing the date to when the loan was transferred to Seterus instead. Which would mean I would have to wait another year. First of all, what they are saying is not in accordance with the letter THEY sent me. Secondly, the sentence that I quoted from their letter is also stated on various websites of the Federal Government ( of which I have referenced at the bottom of this complaint ). So by changing the dates to match their own interests, they are not just breaking their own pledge, but also that of the Federal government. 

Effective XX/XX/XXXX, borrowers who remain in good standing in accordance with Guide Chapter XXXX, Home Affordable Modification Program, and who have submitted the appropriate Dodd-Frank Certification form or Guide Form XXXX, Real Estate Fraud Certification, may be eligible to receive a HAMP Year Six " Pay for Performance '' incentive. This incentive, which is in the form of a one-time, lump sum principle reduction of {$5000.00}, is payable the month after the sixth anniversary of the HAMP Trial Period Effective Date.

Company response to consumer: Closed with explanation