vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX, 2016 TO : Consumer Financial Protection Bureau - on line complaint To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

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 have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.

Company response to consumer: Closed
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax is currently reporting my XXXX XXXX account as charged-off. I 've received a letter from XXXX XXXX stating there is incorrect information being reported on my credit report and they have agreed to remove this account from my credit reports. Please see a copy of my Equifax credit report, as well as a copy of the letter from XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may, without the other 's consent, elect mandatory, binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision, the term " Claim '' or " Claims '' means any claim, dispute, or controversy between You and Us regarding any aspect of Your relationship with Equifax , including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory regardless of what remedy is sought '' Their clause also states : ". The party filing a Claim in arbitration must select either the XXXX ( " XXXX '' ) or the XXXX XXXX XXXX ( " XXXX '' ) to administer the arbitration. " As I am sure you are aware, NAF does not perform consumer arbitration any longer due to an out-of-court settlement they have with the Minnesota Attorney General. XXXX refuses to administer any arbitration proceedings with Equifax due to Equifax 's arbitration agreement not meeting XXXX stringent consumer protocols. This is creating quite the Catch-22 for consumers. Equifax does not want consumer initiating class-action lawsuits against them, yet a consumer is unable to initiate an arbitration claim against Equifax due to the XXXX forums listed in their clause not accepting any cases with Equifax. What is a consumer to do? 

A consumer could initiate an action in federal court to compel Equifax to arbitrate, but until Equifax updates their clause to meet XXXX 's consumer protocols, the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA ), but also Maryland 's deceptive trade practoces act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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:
I visit www.XXXX.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is information total incorrect, some one stole my identity. I never receive this services. 
Agency Open XXXX BalanceXXXX XXXX {$5500.00} account reported on XX/XX/XXXX Account # XXXX $ XXXXCurrent BalanceXXXX XXXX XXXX ER SVCS OF XXXXOriginal Creditor {$550.00}, Original Balance, XXXX XXXX, XXXXDate OpenedXXXX XXXX, XXXXReport Date, See something wrong, XXXX XXXX XXXX {$2700.00} account reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX/XXXX/2016 I discovered negative credit items had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity was stolen in XXXX and on XXXX XXXX someone ordered a phone and service with XXXX XXXX. I filed a police report with the XXXX XXXX. I have made numerous calls to XXXX and to Equifax and the Credit Inquiry is still showing on my credit report, now more than 90 days later. I can not get either company to remove this inquiry off my credit report. Equifax tells me XXXX must do it ; XXXX tells me Equifax must do it. I need this removed. This is very stressful as I have to continue to call both companies and find no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
While viewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry was conducted by XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by this company to initiate an credit inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681 b ( c ) .XXXX were not legally entitled to unilaterally review my credit report without my written consent, thus, this was a fraudulent inquiry and a serious breach of my Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I 've disputed this information with both Equifax and notified them each time that i am a victim of identity theft and they have refused to block or remove these accounts after I provided all required documentation. I am at the point where I will take them to court if neccessary as well as the creditors for failure to remove this information. I do NOT CARE that these accounts are positive and that they are not hurting my credit file - they do NOT belong to me, I did NOT open them, I did NOT apply for them. In addition, I had requested the actual proof, physical firsthand knowledge that verifies that these belong to me and I did not receive anything. Pursuant to section 609, the credit bureaus MUST have the physical documentation in their files PRIOR to even reporting the accounts which means that they # 1 already have the " proof '' and # 2 section 609 makes available to me all documents in my file for me to review. Section 605B states that these accounts must be blocked and investigated and I can see that none of this has occurred. I also do not see the required notice of dispute on my credit file which means that they are also in violation of section 623. These are the accounts that must be blocked and do NOT belong to me : These are the accounts resulting from identity theft and need to be blocked and then removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called XXXX, equifax , and XXXX to make sure my fraud alert was put on my file, XXXX and Equifax are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all three credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax at every turns fails to provided accurate information on there credit file when we called XXXX they failed to give the correct information instead Equifax provided them with the information Equifax considers a screen shot that the have my name and information as they have the verified the information even though they are aware that there is fraud on my file I have provided them with as much information as I can and it is still not enough they just open a new dispute and refuse to remove the information unless it removed by the company that is paying them. they tell me to upload the information for a dispute but I can not do that and when I was able to they some how lost it. Equifax has the information via CFPB to remove this account there is not more verifying needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a bankruptcy listed on my Equifax report that was settled, paid in full and closed in 2007. It is still listed under deragotory complaints. I believe this should ne romoved as it was resolved 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My complaint is in regards to an investigation by EQUIFAX and a recent claim dated XX/XX/2017 regarding account # XXXX which XXXX claims to have verified, and that I owe them in the amount of {$64.00}. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a statement. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They inform that they have requested that the consumer reporting agencies report the account as disputed, but they have not provided " validation '' of the debt. Therefore, they have broken the law by not validating said debt. 

On XX/XX/2017, Equifax informed that they have researched the collection account # XXXX and the results are that they have " verified '' that this item belongs to me and that additional information has been provided by the original source regarding this item. Again, I have never signed any contract with XXXX who have failed to validate this debt and confirm that I owe them any money. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I keep trying to dispute an inaccurate late payment and Equifax system keeps kicking me out. XXXX and XXXX have removed the inaccurate XXXX bank late payment info

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I found out the company is owned by XXXX at XXXX XXXX, OR XXXX and that is who filed the complaint with Equifax. I just double checked with the leasing office that I applied to that received this fraudulent information from the credit report from Equifax telling me that it was the last apartment I lived at and gave me the property name of XXXX that was on the credit report. This company runs XXXX and XXXX my Account ending in XXXX. I will attach my ID that has nothing to do with the address where I use to live, but I hope it helps. I can also attach a photo of the first page of the first year lease. Also it 's {$650.00} that is listed that I owe on the credit report - my rent was {$680.00} - they had me moved once and possible are confusing me with someone else 's old lease - they actually owe me money, security deposit - {$150.00} - possibly being accused by two roommates whom verbally and physically assaulted me continuously accusing me of not paying the electric bill ( verbal abuser replaced her lease to a physical abuser ) They felt I was solely responsible for the electric bill ( which all my payments are noted on EWEB for my share or I have a receipt for the much earlier ones to this of the physically delivered payments to the verbally abusive roommate whose name was on the bill. Being XXXX, it appeared the office was abusively discriminating me to this constantly trying to run me out. I have video on Instagram to the physical abuse and living conditions to this as well as emails from XXXX ignoring my cries and even trying to throw me out to previous cries before moving me to this different room when I was getting seriously ill from smells of heavy drug use which I reported to campus police.

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

Complaint narrative:
There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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:
Why does it seem like getting Equifax to actual perform an investigation is like an act of god? 

I do n't understand. This is the 4th time I 'm sending them a letter requesting them to investigate. It 's almost like they are n't even reading my certified letters. 

They have not provided me with an updated Credit Report as well and again, refuse to investigate. Why? 

I need someone to please take an interest. I do not wish to file a lawsuit. 

Please see attached.

Company response to consumer: Closed with explanation