vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2016, a fraudulent attempt to open a XXXX card in my name occured. It resulted in a hard pull. XXXX has sent a letter ( dated XX/XX/2016 ) to all XXXX credit bureaus to remove the hard pull. Equifax is the only remaining credit bureau to have not remove it ( numerous confirmation numbers with no result ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Equifax to delete this account ASAP.My cell phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
Equifax shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Information was submitted to several banks to inquire loans, which accrued several hard inquiries in one day ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dispute was filed with Equifax, but no final response have been received.  The investigative results by XXXX  concluded that  I am no longer liable for the following reported XXXX collections XXXX.  Accordingly, XXXX the aforementioned credit agencies have removed these collection items from my credit report.    However, these same collection items remain on my credit report from  Equifax  and need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. A creditor improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked numerous times to have this removed. It should have been removed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was A victim of identity theft somebody still my SS Number and open a bunch of accounts under my name. I went to Police station and they took a report I ask them to investigate but they did not find the criminal I send the report to credit bureau and XXXX and XXXX deleted the Wrong information but equifax did not. 
Can you help with Equifax thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts, but when I emailed the court in regards to CRA reporting, they do NOT handle any of this at the court level. So who are they " verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts , county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification, its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me, nor was there a court order to verify to furnish any information my credit report. What you are doing seems very illegal and shady. You should be trying to help a consumer who is working so hard to repair their credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX XXXX XXXX XXXX badge number XXXX

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

Complaint narrative:
I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are XXXX liens showing up with Equifax which only list XXXX Release of tax lien XXXX {$23000.00} and XXXX XXXX same {$23000.00} different doc numbers and XXXX also list XXXX {$3100.00} These were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: TX

Complaint narrative:
I have several unauthorized hard inquiries on my credit reports from CREDCO. I was a victim of identity theft and these were not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Disputes have been removed from XXXX XXXX but not from Exquifax. How or when will they match or catch up? Do I need to repeat the process with each creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for equifax blocked the concerning information. XXXX continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job selling insurance! this is ridiculous to get something done with this bureau, all the other XXXX removed it with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed this unauthorized inquiry dated XXXX/XXXX/2016 on my Equifax credit report by XXXX XXXX multiple times and have provided a copy of the creditor 's request to remove the inquiry, yet Equifax refuses to remove the unauthorized inquiry. The creditor verified the inaccuracy via recorded phone call and thus have written a letter to Equifax and the other XXXX major Bureaus and Equifax is the only one who will not remove the inquiry despite of the creditor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EqufFax.Credit Reporting Agency is now showing a negative delinquent " closed '' account on my credit report and they have reduced my credit score to based on this account which has been closed since XX/XX/XXXX and has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. I have filed a dispute with Equifax XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed accounts listed on my Equifax credit file. Equifax has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Equifax has exceeded the 30 day mark and can not verify these under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I somehow accidentally got my fathers name into my report which reported not only my credit information but also information from his XXXX XXXX and XXXX XXXX XXXX accounts. Please have the reporting agencies remove these XXXX permanently since they belong to my father. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a caharge off with XXXX, when in reality the amount charged of has been added to my Mortgage total.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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:
" Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I graduated from XXXX school in XXXX XXXX. At that time I did not have a full time job due to having to do my required XXXX hours for internship. I was working as a XXXX for XXXX XXXX XXXX. When I received my notification that my loans had been bought by Navient ( they were in deferment with the other agency ) I contacted them immediately to see what my options were for repayment. They sent me a statement that my loans would be more {$900.00} a month. I contacted them again and stated that I was currently seeking full time employment and wanted to know again what options I had for repaying the loans because there was no way I could afford the current payment plan they had sent me. I waited for 3 months ( attempting at least once a week to get someone to let me know what I could do ) and never got an answer. I noticed that my statements stopped coming during that time. I called them back on final time and was told that my loans had been approved for unemployment deferment. I stated that I was currently doing XXXX for the XXXX at XXXX XXXX as a XXXX and they stated that XXXX work does not qualify as XXXX employment. When I was offered the job with XXXX XXXX XXXX as a XXXX in XXXX of XXXX I contacted Navient and asked what options I had once a gain and I was told that my loan was in deferment and I could either make interest only payments or I could let it stay in deferment until I found out if our center was going to shut down or until the unemployment deferment was exhausted. I asked how long that would be and they stated that my loans would come up for repayment in XXXX of XXXX. I was ever given the opportunity to do any type of income based payments or anything. I was n't told that I could stop the unemployment deferment or that you only had 12 months in the lifetime of a loan to have it under unemployment deferment. In XXXX I started receiving statements again and by this time we had been notified by the DOL that our center was going to close and our last day to work would be XXXX XXXX, XXXX. I contacted Navient and filled out the forms online to see again what my options were and they denied me any type of help. No income based repayment, no deferment nothing. I have gotten to the point now where I am looking at trying to file bankruptcy ( which I/m being told is next to impossible when it comes to student loans ). I do n't know what else to do. I am currently drawing unemployment and looking for a job but Arkansas is not the best state to find a decent paying job. I have XXXX school age children and with the normal monthly bills there is no way I can make a $ XXXX a month student loan payment. I have been told that in extreme cases student loans can be forgiven or put under a bankruptcy so I am hoping that the fact that I have barely any income and if I paid that loan payment I would be homeless and could n't feed my family is extreme enough.

Company response to consumer: Closed with explanation