vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
In XXXX of 2015 my bank account was seized by Pressler & Pressler who are representing XXXX XXXX XXXX for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get Pressler & Pressler to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is in regards to XXXX accounts that were recently removed from my credit report. This is the XXXX time I am sending out this request. Unfortunately, XXXX of them were disputed in error and must be re-inserted. XXXX were removed on Equifax 's end in error, as only the comments were unverified. Please re-add the following accounts back to my credit report and send me confirmation of this. I continue to receive no reply in regards to this and they refuse to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also XXXX had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from an attorney office regarding my XXXX account that they are handling my account and that it 's no longer with XXXX and it had the balance owed etc. with to all XXXX XXXX to remove the XXXX account. Equifax never removed the account they never notified me of the results or anything. They actually add a new account to my credit report causing my score to drop even though I provided proof the account with XXXX was no longer their account and has to be removed from my credit. They are the only cb who does n't truly validate debt. I have another account XXXX XXXX who never validated the debt and has been removed by XXXX and XXXX but Equifax again updated the info and said it was verified. I never got the method of verification who they spoke to or what was verified. I reached out to XXXX XXXX and they still have n't validated the debt. I know the cb make money by keeping bad information on our credit reports but it 's ridiculous when you send proof and they still refuse to make the proper updates and corrections I will provide all proof of what I submitted and what they have done. It 's time they be held responsible for failing to properly handle my credit report and validate information. By law they are required to investigate and not just sat verified and by law they are required to give info received and I still have not gotten anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am trying to dispute this charge with XXXX. The account had my name on it, but I had no access to it. My mother used this account and I do n't feel it should be on my credit report because I never used the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is reporting an incorrect balance on one of my accounts. I sent them a dispute letter on XXXX/XXXX/XXXX including proof consisting of a notarized AFFIDAVIT OF DEBT signed by an employee of the creditor. Equifax did not respond to my dispute. On XXXX/XXXX/XXXX, 50 days after I sent the first letter I sent Equifax a 2nd letter notifying them that the 30 day time limit for responding to my dispute was up and that they were now required to delete the account in question. On XXXX/XXXX/XXXX I received their response saying that they have updated the account. They still listed the incorrect balance, but more importantly, their response was too late - it was dated XXXX/XXXX/XXXX which is 68 days after I mailed my initial dispute. The FCRA section 611 ( a ) ( 1 ) ( A ) clearly allows only 30 days for their response. They must DELETE the account. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not owe a home sent XX/XX/XXXX. XXXX County Kansas District Court, Case # XXXX, alleged that I owe {$4800.00} for KANSAS DEPT OF REVENUE. For a tax periods XX/XX/XXXX-XX/XX/XXXX. This was file on XX/XX/XXXX.The Status is TERMINATED .The Kansas Dept of Revenue file this case ( XXXX ) on XXXX/XXXX/XXXX on TAX they say were owe for XX/XX/XXXX. This case was file five years after the tax was due. THIS CASE WAS RE-AGES.I have upload a copy of the case documents ( XXXX ) from XXXX. 
PUBLIC RECORD. EQUIFAX CREDIT REPORT DOES NOT SHOW THE TAX PERIODS XXXX. THE DATE OF 1 ST MAJOR DELINQUENCY IS SHOW XX/XX/XXXX.THIS IS INCOMPLETE AND INACCURATE INFORMATION AND RE-AGES PUBLIC RECORD. 
I DID NOT OWE A HOUSE IN XX/XX/XXXX TO HAVE A TAX WARRANT FOR XX/XX/XXXX. MY CREDIT REPORT SHOW THAT I LIVE IN XXXX XXXX YEAR. AND I DID NOT LIVE IN XXXX COUNTRY. I LIVE IN XXXX COUNTRY IN XX/XX/XXXX. CREDIT SHOW THAT.THIS CASE HAS BEEN ON MY CREDIT REPORT FOR 16 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was pre- approved by my lender / XXXX for a texas XXXX land board home loan, and now when we are in our option period of purchasing our first home, our lender said he can not proceed with the load due to not having a credit score. XXXX?!?! I have excellent credit, in the high XXXX 's, and its been like that for a long time ; seems someone has screwed us over so we cant purchase a home. I just want my score back, plain and simple. These idiots always had a score for me, now when I need it I dont have XXXX?!?!?!??? Something is very fishy about this, like someone is watching us and creating this problem. My wife who has only 2 yrs work experience in the usa from the XXXX has a score, yet I have more credit than her and where XXXX is my score?!?!?! This is my first time to complain about a credit reporting agency like this, except when my identity was stolen. I work in XXXX, pay bills on time, even have some auto pays with a credit card and bank acct. From what I did find out, I am in good standing, which is good news, however they are not giving me a score which we need to get a loan. Anyone who can help us out would be appreciated, and put a stop to these XXXX XXXX with people. I did put a fraud alert on my acct., since I dont know whats going on. I also noticed on my report a mistake that I payed {$230.00}, I usually pay upwards of {$1000.00} or more via a phone system with XXXX, and I do keep records of that, however I am not usually reading my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed the negative information on my credit report starting XX/XX/2016. This month my negative accounts were deleted off my Equifax report along with my positive accounts. The only disputes I filed with Rquifax were to get my negative accounts removed and/or corrected. I did not authorize the positive accounts to be deleted or the negative items to be re added. I called customer service on XX/XX/2016 and spoke with XXXX. I asked her to please add my positive accounts back onto my report. She added my positive accounts back along with the negative ones that should have stayed deleted and then refused to correct it. I have attached proof below of the accounts being deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XXXX/XXXX/16 I obtained my Equifax credit report and discovered an unknown medical collection acct listed. I wrote to Equifax on XXXX/XXXX/16 to properly dispute this alleged medical debt and they responded on XXXX/XXXX/16 that they verified the entry belongs to me. They then provided me with the name of the collection agency ( XXXX XXXX ) and instructed me to contact them and provided me with an address. I promptly wrote to XXXX XXXX at the address provided ( as instructed by Equifax in their response on XXXX/XXXX/16 to my initial dispute on XXXX/XXXX/16 ) to dispute and request validation of this unknown medical debt and received no response. I wrote to Equifax REdisputing this unknown medical debt providing them with a copy of my letter to XXXX XXXX as well as proof of delivery of the letter to XXXX XXXX and again requested that they delete this unknown entry on my credit report. According to the USPS, Equifax received that letter on XXXX/XXXX/16 at XXXX. Equifax has failed to respond ( as of XXXX/XXXX/16 ) in the required 30 day time frame and this entry should now be deleted as I properly disputed this unknown account with both parties. This account is not listed on any other of my credit reports. Equifax 's refusal to properly investigate this account is a violation of the FCRA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX keeps places debts back on my credit report that were previously removed. They will be XXXX, then show up on Equifax XXXX and visa versa. The debts have never ever been verified. Each and every time I request verification. I state to them that the debt is well beyond the SOL and is a time barred debt. These debts were closed and sold between XX/XX/XXXX and XX/XX/XXXX. They show them as current open collection accounts. They have repeatedly done this even though they have been sued and settle for the exact same things. If it is not them it is one of the subsidiaries. This has been going on for a very long time. How is it that the credit reporting agencies are allowing them to do this without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A number of items are showing up on my credit report that are inaccurate. I took the time to send debt validation letters to each inaccurate account on my record. Most, if not all of the creditors never took the time to properly validate my debt. Most did not even respond to my validation letters. 

I sent a dispute to the credit bureaus showing all of the documentation ( including certified mail receipts ) in order to prove that the creditors had not properly validated my debt and ask that it be removed from my account as is my right by law. Equifax replied by mail to tell me that all of the invalidated debts were still mine and staying on my credit report. As I start to look for a house, I am sure that these collection accounts will keep me from getting a mortgage even though the debts have not been validated as is required by law.

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 — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Compliant file with Equifax response is not accurate from creditor. Equifax stated review dispute ( XXXX ) information and was correct. Equifax provided contact information of XXXX. When I contact XXXX on XX/XX/XXXX at XXXX am I talked to XXXX in XXXX she informed they do not report any liens to credit bureau therefore, they do not have the resource to remove any liens from my credit report. The amount of {$520.00} has been resolved and satisfied by the XXXX with payment since XX/XX/XXXX ( filed XX/XX/XXXX ). This amount was paid before it was reported to Equifax credit bureau. I had provided this letter to Equifax with dispute however, Equifax refuse to remove this derogatory remark from my credit report with the intention to damage my credit rating. Also, on this dispute I notified Equifax about XXXX is still on my credit report. I provided a list of all of my other creditors were removed from my bankruptcy on my credit report except for XXXX however, again Equifax refuse to remove this XXXX item. Equifax intention to destroy my credit rating with discrimination refusing to remove these item from my credit report. Please your gratitude will be greatly appreciated to assist me where my credit rating has been damage with unfair treatment from Equifax. ( see XXXX attachments ) Sincerely Yours XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( Equifax ) are 1. XXXX -XX/XX/XXXX 2.XXXX -XX/XX/XXXX XXXX. XXXX -XX/XX/XXXX 4.XXXX XXXX XXXX - XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.

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

Complaint narrative:
I was a victim of continuous identity theft. A vehicle was purchased in my name without my knowledge. This account is reporting TWICE on Equifax for the same amount. I have sent in all of the necessary documentation including police report, FTC affidavit, drivers license, social security card and proof of current residence. Equifax continues to report the item in duplicate as well as tell me that they will contact the creditor who always verifies that the account is mine when it is in fact not! Equifax continues to report these accounts as well as others that are not mine. The other bureaus have already rectified the issue and I have been fighting with Equifax diligently for almost 1.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX payment was not late in XXXX 2013 as per the payment history i received from the company, XXXX. equifax failed to report properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. That is a completely foreign area to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing a complaint about Equifax because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Equifax responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had multiple removals on my credit report and then noticed that a few of them had been reinserted without notification within 5 days via mail that this had occured. I require that these reinserted unverified items be permanently removed as this is in violation of section 1681 of the FCRA. An online alert letting me know 2 weeks after reinsertion is NOT sufficient and this must have occurred via USPS mail. No notification via mail was received and these items must be removed. 
On XXXX XXXX XXXX I only had XXXX negatives remaining after the rest had been removed : Vertans admin ( XXXX ). 
On XXXX XXXX, there were now XXXX accounts : XXXX, XXXX ( XXXX ), XXXX On XXXX there were now XXXX accounts again : XXXX, XXXX, XXXX, XXXX ( XXXX ) This is an illegal practice and these items must all be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one

Company response to consumer: Closed with explanation