vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trojan Professional Services, Inc.
State: FL

Complaint narrative:
This debt appears on my credit although during my son visit to the dentist my son had Medicaid from the state of New Jersey I informed the dental office my giving my sons insurance card to process claim and my identification to prove I was the mother. I informed the collection that patient had Medicaid at time of service that this bill was to be billed to Medicaid of New Jersey I spoke to the agent on the phone gave her the policy ID and was told they would inform the dental office. I requested this account to be closed and billed to Medicaid yet after three years still appear on my credit. Per New Jersey Medicaid Provider rules of participation as long as patient is enrolled in Medicaid insurance must be billed and patient can not be billed. This provider is billing us for covered services that must be billed to Medicaid My son XXXX XXXX was the patient

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There is an unauthorized and fraudulent account from XXXX XXXX for {$270.00} listed on my Equifax credit report. This account do not belong to me. I have never had an account with XXXX XXXX. The account is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
They have reinsert ran account that was previously removed and re aged it. This account is old. 7 years old. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Nothing has been updated and has taken more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX is False Report my Business Account of my employment. XXXX continue to report this on my personal credit report making false reports, late fees, and is discriminating against a person with a XXXX. My credit report has severally hurt me by a XXXX points because of XXXX XXXX XXXX XXXX. I have all documents to prove False Reporting against me. I have also reported a Investigation with the XXXX XXXX XXXX XXXX, Colorado Discrimination/ Fair Housing Act for XXXX, XXXX XXXX , etc. Please have this removed from my personal credit report ASAP. It is being reported on Equifax & XXXX Credit Agency. Please Help!!! ... ... .. Sincerely XXXX XXXX XXXX. XXXX payments are due every month on the XXXX with a 10 day grace period with NO LATE fee. I have all receipts of my payments. Never Been Late!! Business Account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. 
Checking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I went to purchase a new vehicle and authorized the dealer to check my credit. I now have XXXX inquiries on my report although I only authorized XXXX. It has severly damaged my credit score. Equifax is showing XXXX recent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
An item was reporting on my account that was not mine. I asked both Equifax and the creditor for validation per FCRA rules. This was removed as a result since it could not be verified. I just noticed that this account has been put back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit inquires were made without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax refuses to help during fraudulent issues that do not belong to me. The expect me to do the work when it is their job to follow federal guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
*****this is not a request to put any personal freezes or fraud alerts on my account**** There are XXXX specific items that are reporting on my credit file that are not meeting FCRA guidelines under section 609. I have continued to ask Equifax to send me the proper documentation and they refuse. The original creditors have not responded to my requests by writing and that process started back in XXXX of 2016 so enough time to respond but have not. 

1. XXXX XXXX XXXX in XXXX XXXX MN XXXX as told me on the phone that they do not have the original signed documentation for this debt of {$100.00} and yet Equifax still lists it on my credit report. They are specifically violating section 609 and no on wants to do anything about it. They have already been fined for breaking the law in the past and this is no different. This account can not be properly verified or validated and yet they keep reporting it on my credit file. 

2. XXXX XXXX XXXX is trying to collect on a debt from a XXXX XXXX XXXX. When I have reached out to this practice they can not produce any signed documents from. Also when I asked them to produce a signed HIPAA release form showing that if I were the patient owing this debt that I gave them permission to release any part of my medical file so they are technically in violation of Federal Law. Equifax can not verify this debt per section 609 with an original source document. 

Please understand that it is not my responsibility to reach out to these companies and to verify the debt. If you are going to list a negative item against me you must produce original documentation with my signature showing this debt is mine and you have been unable to or unwilling to do your job per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I am writing this regarding my mortgage servicing company Seterus, Account # XXXX. The phone # is XXXX. XX/XX/XXXX I received an escrow statement from Seterus the statement indicated that my mortgage payment of {$850.00} was increasing to {$1000.00} due to the fact that the escrow was {$1200.00} short and that my town taxes had gone from {$1900.00} to {$3600.00}. I contacted Seterus and told them that my taxes were the same as they have always been and there was no increase. Then asked why they were billing me {$3600.00} for town taxes. They instructed me to call their escrow company XXXX at XXXX. Upon contacting them I told them about the mistake in the town taxes and that the reason why the town levied them for {$3600.00} was because Seterus failed to pay the school taxes of {$1500.00} for the year XX/XX/XXXX. The town XXXX then added that figure to the town taxes of {$1900.00}. They also included interest of {$170.00} which they are holding me liable for. XXXX indicated to me that they would run a new analysis and correct the situation within 10 business days from XX/XX/XXXX I then proceeded to contact Seterus XX/XX/XXXX and they said they were waiting for the analysis. I contacted them again XX/XX/XXXX and was informed that it would be at least another 30 days to complete their analysis. I explained to them that they were over charging me {$250.00} on my original mortgage payment and they were also charging me the interest on the {$1500.00} from the school taxes that they failed to pay XX/XX/XXXX. The money was escrowed and still is being escrowed I was informed by Seterus that if I did not make the XXXX payment of {$1000.00} it would go against my credit report and that if I paid less than the {$1000.00} they would not apply the payment and I would still be held responsible for the full amount making me late on my mortgage. This is totally unacceptable I am being charged {$250.00} more per month on a mistake they made by not paying the taxes XX/XX/XXXX and my normal mortgage payment of {$850.00} is no longer valid. My town taxes consist of {$1900.00} insurance of {$530.00} and school taxes of {$1500.00} for a total of {$4000.00} instead they are escrowing {$5800.00} a {$1700.00} which is the school taxes plus the interest that they did not pay for XX/XX/XXXX which they are penalizing me for. 
Please help us in this matter for Seterus and XXXX have given us nothing but a song and a dance and are illegally collecting money that they do not have coming. Thank you for your time. 

Sincerely XXXX XXXX and XXXX XXXX XXXX XXXX, NY XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please note that a company using the names XXXX XXXX XXXX or XXXX at XXXX XXXX XXXX XXXX XXXX, SD XXXX phone number XXXX keeps placing a previously charged off and deleted mortgage lien item on my Equifax credit report since XXXX 2015. Each time I file a dispute, I receive a report from Equifax that it is being reported correctly, which it is not. Then, the item disappears and re-appears under a subcompany name. See items attached. I want this to stop, and for Equifax to be penalized for allowing this to repeatedly occur on my credit report. For example, I just received my XXXX Equifax resolution. It again reports that Equifax verified the item belongs to me. Yet, when I log on to dispute the item it is no longer there. So, I wonder when they will put it back on my report again. I have not had any business with this company, and want this to stop. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had XXXX previous mortgage accounts that were closed/transferred, XXXX in XX/XX/XXXX and the other in XX/XX/XXXX. I disputed these accounts with Equifax stating that I was no longer responsible for these accounts because they were closed/transferred. I received the results of their investigation stating that they verified that it was my account. It just shows the total incompetence of the people responsible for completing these investigations. It clearly shows that there has been no activity on these accounts since XX/XX/XXXX for XXXX and XX/XX/XXXX for the other. It should have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An IRS lien was filed, released and withdrawn. Equifax has failed to remove it from my credit report, despite several written requests that included extensive documentation. Details are in the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from XXXX and Equifax. When I put a dispute in for XXXX and Equifax, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with XXXX and Equifax. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XXXX, and the XXXX XXXX XXXX item was removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has mistaken my former address which is the same with my current address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX instead OF XXXX XXXX XXXX XXXX XXXX, NY XXXX.Also they did n't report any employment history.I am employed at XXXX NY XXXX PHONE:XXXX.I 've been working in this location for almost 5years.Also equifax did n't update my credit score with FICO for two months giving me poor score while my score is fair with XXXX.I could n't understand that mismatch.According to XXXX my score is fair. and poor according to equifax.it was also fraud alert on my credit report placed on XXXX/XXXX/2015 for the XXXX time, the XXXX time was placed on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XXXX/XXXX/15 I noticed my credit score dropped due to an inquiry, I checked XXXX and there was an inquiry from XXXX on XXXX/XXXX/15. I submitted a dispute to Equifax and the results stated that they are a factual record of file access. I have never had an account with XXXX and I live in XXXX this inquiry came from XXXX. Equifax told contact the merchant and I did. I got a response back from XXXX XXXX, from XXXX asking for personal info to see if I had ever opened an acct with XXXX. On XXXX XXXX I got a letter form XXXX XXXX from XXXX confirming that the inquiring removal had been submitted to all XXXX credit bureaus. Months later I checked my credit again and noticed the inquiry is still on my credit report, so I mailed a XXXX letter to XXXX and got a response from XXXX XXXX stating they were submitting an inquiry removal again to all XXXX credit bureaus. It 's going on 10 months and this inquiry is still on my credit report which is still impacting my credit score and I believe this is a fraud transaction that needs to be rectified. I do n't know how XXXX got my personal information to run my credit, they are confirming that I do not have an open account with them but I believe a fraud and unauthorized inquiry was made from someone that is portraying my identity. Please help me resolve this problem.

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 — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recieved information from this source.. and asked me if i had work XXXX. I said where in the XXXX you got that from ... he told me..they get from credit report from the credit bureau.. and it shows other addresses. I dont know how in the XXXX the bureau get this false information that ruins to get a jobs.and my credit.. and i found in equifax they so have wrong information and bad inquires in my credit report.. i.try to sent a dispute online ..but i cant because they charge of fees.. did it cost them to input wrong information in my credit report.. why in the XXXX they want to charge fees when it didnt cost them nothing. Im tired of.getting bad reports, false monitorimg from credit bureau. They dont even sent out a letter to correct this issues

Company response to consumer: Closed with explanation