vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I applied for a online loan a few years ago, and ever since then, I have been the victim of identity theft. I have had other pay day loans and checking accounts opened up in my name. Recently, I relocated to XXXX from XXXX and I wanted to see about the possibility of transferring my car loan to my local credit union. I was told that I had a bank fraud case on my account. I contacted XXXX to find out about this information, and was told that the account was not under my name and I would have to dispute this issue with the credit reporting agencies. I would appreciate any help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing this dispute against Equifax for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. This is the is the section of the Fair Credit Reporting Act ( FCRA ) that mandates that Equifax must respond within XXXX days to a consumers request for information on the procedures they used to determine the accuracy and completeness of the information they relied on to verify items disputed by a consumer. 

So to explain the back story a little, I did dispute items in my credit file. Equifax did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to Equifax requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

Equifax subsequently sent me a response and a credit file dated XXXX XXXX, 2015, confirmation # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the XXXX day maximum requirement, that that letter did NOT provide me with any of the information used to verify the items in my credit file that I disputed as I requested. Instead, in that letter Equifax stated the " Below are the results of your reinvestigation request and, as applicable, any revisions of your credit report. '' In other words, all they really did is again tell me that the items were verified. It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my Equifax credit report and request documentation used to verify the items disputed. In good faith, I expected Equifax to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. Equifax has failed to do that to this day. This is completely not fair to me and I am sure the CFPB also expects Equifax to comply with ALL applicable laws in dealing with my dispute and others. Clearly, Equifax has failed to comply with [ 15 U.S. Code 1681i ( a ) ( 7 ) ] in my case and they should be held accountable for that.

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 — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a debt with Equifax-stating the collection company, XXXX XXXX XXXX had no legal basis for debt. They purchased the debt from The XXXX apts in XXXX Florida.The Apt accused me of damages that I disputed.They without having any legal proof of the damages, simply sold the debt to the collection agency..It appears that the apt complex does not have to prove the debt it merely sells it.the only proof of debt the collection company needs is to simply prove it bought it. I do not owe this debt, but must hirer a lawyer at great expense to remove it from my credit report. 
Second part, Equifax reports a judgement against me that was overturned.I sent them copies of the Court orders, yet they claim it is a judgement against me and I will have to change t myself.The point is Equifax does not follow though on the details of their reporting to determine whether their members have legitimate legal claims.The only recourse a person has is go through the expense of hiring an attorney, I have many documents to prove this and will send them at your request-I am XXXX years old -do not know how to attach copies-and wanted to get this started =please advise and I will have my daughter send them later

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have made settlements to XXXX and they were removed from my file and today I see they are back on my credit file with an opening date of XXXX 2015 which is entirely false. And, they even show duplicate accounts which are the same with a different name. I have disputed with XXXX but do n't have any results yet and I will dispute with the others too, is this legal for them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to remove these inaccurate accounts after 4 months of sending them the proof that they are repotring them as such. I require that they send me the physical court petitions that show EXACTLY what they are reporting or they need to be removed immediately. 

Please see letter attached along with proof on credit report that will show you that they are being willfully negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I would Like to open a complaint on behave of Equifax credit reporting agencies I asked them to send me a copy of the Orginal SIGNED contract for XXXX XXXX XXXX XXXX and a XXXX late Payments and ALL CREDIT Inquires that is more than 30 days old with my signature on file and they failed to do so. They sent out a letter to me starting that they do not keep that Information on File. I WAS VERY SHOCKED THAT THEY STATED THAT THEY DO NOT KEEP THIS INFORMATION ON FILE 1 THIS IS A FEDERAL LAW THAT THEY HAVE TO KEEP THE CONSUMER DOCUMENTATION ( credit application in there Physical possession at all time and I have the right to ask for this Information and they are and should provide this Info when asked about THIS IS PART OF THE FCRA 609 ( A ) ( 1 ) ( A ) AND THE SEcTION 611 ( A ) ( 1 ) ( A ) it is against federal law for them to report information on a consumer Like Myself without that. CAN NOT REPORT THIS INFO AND IT MUST BE PROMPTLY DELETED I 'M Fully aware that each creditor MUST send this Info to each of the reporting agencies In order for them to report information about the consumer As you can see from the attached Letter Equifax already admited that they DO NOT HAVE THIS INFO SO IT MUST BE DELETED THIS IS A FEDERAL LAW AND EACH OF THE REPORTING AGENCIES MUST OBEYED BY THIS LAW XXXX XXXX XXXX LATE PAYMENT PLEASE HAVE THIS ITEM REMOVED ASAP XXXX XXXX 30 DAYS LATE PLEASE DELETE THE LATES INQUIRES PLEASE REMOVED ANY INQUIRES THAT IS 30 DAYS OR MORE OLD. 

THANK YOU SO MUCH! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
COMPLAINT : XXXX : EQUIFAX : XXXX : VS XXXX XXXX XXXX XXXX. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND 40 MILLION IN CAL 12 MILLION IN XXXX XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX XXXX XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX XXXX XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE 12 MILLION PEOPLE IN XXXX XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax has reported negative information on my credit report that is not mine. I do not owe XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In 2012 I was advise by XXXX XXXX XXXX to stop making my mortgage payment in order to qualify for a short sale. This information was not correct, since I could still be making my payments and apply for the process. Before this, I had a perfect credit. Now for this wrongful advice my credit is hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has not removed an inquiry on my credit report from XXXX which was from a fraudulent attempt to obtain credit in my name. XXXX requested XXXX XXXX XXXX to remove their inquiry on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX without success. On XXXX/XXXX/XXXX I sent XXXX a letter at their request asking this inquiry be removed. I also attached a notarized copy of the Federal Trade Commission Identity Theft Affidavit showing the XXXX inquiry that was made as a result of identity theft. It has been almost seven months and I have not been able to have Equifax remove this hard inquiry by XXXX despite the XXXX requests from XXXX and my letter and FTC Affidavit requesting the same. The other XXXX credit reporting agencies have acted upon these requests and Equifax has not for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
reported to all XXXX bearu on iteams that are not mines XXXX out of XXXX bearus removed items Equfix has not updated any iformation 3 months no reply or updateds I 'm tryong to buy a home and the iteams that are not mines is still showing on my account lowering my credit score in i need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Equifax once again removed from my credit report and history. 
I supplied Equifax with my original police report that was also stamped by XXXX, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested that Equifax remove inaccurate information from my report since XXXX 2016. Not only are they reporting false information that I have requested verification of debt on they have failed to provide to me. They just keep sending me letters saying that they verified the debt but no proof. They also have the same accounts on my report XXXX which is negatively affecting my score and causing me great XXXX. I contacted the federal trade commission they advised me to write them and give them a chance to correct it and they have failed to do so I will attach the XXXX accounts and proof that I sent everything certified mail. I have asked them to provide me contracts and signatures saying that I had an account with XXXX XXXX and XXXX XXXX XXXX. Why are these on my credit report XXXX for the same amount and they fail to fix it. I have spoke with a lawyer my first step is you and my next step is to sue. This is causing me great XXXX. Please help me with this situation attached is the proof. Please take a close look at how these items are on my report XXXX for the same amount for the same company. I do n't know what else to do I have contacted them numerous times. They can not verify that I had an account with XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The XXXX XXXX XXXX listed on my XXXX has been closed for 7 years as of XX/XX/2015 and was wondering why its still on my report? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Debtor filed for bankruptcy and requested referral to the XXXX program. This program gives the borrower a chance to modify his/her mortgage loans while in XXXX. Although the borrower submitted the complete package to Seterus, it refused to submit the borrower 's complete package to XXXX underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX -- someone in my house of there people used my SS and ordered merchandise form this company. I received the merchandise, I think a dress, and I returned to this company and said I did not order. Their derogatory remark has lowered my score. If they check their inventory, this merchandise will be there. This room mate has long gone from my home but I have no proof that she ordered this is an assumption..

Company response to consumer: Closed with non-monetary relief