vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX admitted that they were taking off my other credit reports after complaining to both XXXX and XXXX. Both of those credit bureaus plus XXXX decided it was wrong information. The reporter XXXX XXXX previously reported to this same Consumer Financial Protection Bureau as well as XXXX and XXXX that they were deleting this line item as it was false. XXXX XXXX even threw in the towel on these and stated that they are taking it off. It is evident that this was a commercial debt to a different company that XXXX Bought and tried to stick to my personal record even though it was a corporate debt with a different tax ID. The last attachment shows XXXX taking it off even without CACH throwing in the towel. Under my rights under the FCRA Equifax the only remaining credit bureau carrying this false information should investigate and take off immediately. For the last 2 years this has been reported wrong and I really do not want to take all parties to court. Yet we have all documents that prove XXXX is wrong oin ever putting this on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I 'm making this complaint because month after month I send the proof to Equifax that they are reporting this bankruptcy wrong by sending the public records page from my credit report and they have failed to correct or remove it each time and come back saying that it has been verified. 

Here 's my dispute with Equifax : Bankruptcy Docket # XXXX # 1 You have the date " XXXX/XXXX/XXXX '' and this date is NOT accurate or even existent! 
# 2 I 've notified you of this multiple times and therefore, I am notifying the Consumer Financial Protection Bureau of this violation immediately and am sending this complaint with my letter # 3 The docket # is not correct as well as incomplete # 4 " BK Court '' is not a court - this section must list bankruptcy court with the city and state # 5 the liability amount must be numerical and you have " K ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax free credit report not available! XXXX and XXXX are able to provide free credit reports when my current information was supplied. 
Look at internet. Several customers seem to experience the exact the same issue that I have experienced. Equifax free credit report is not available and their website is showing that I ca n't get the report online. Instead, Equifax is asking me to send my XXXX and other documents requesting for free credit report. XXXX and XXXX are able to provide free credit reports when exact same current information was supplied to them. Why is Equifax providing such poor service to customers that need free credit report? 
Can Equifax improve standards to compare with other XXXX agencies - XXXX and XXXX so that customers do n't waste their time looking for free credit report from Equifax. 

Can Equifax implement appropriate quality measures and actions to resolve customer complaints with this credit reporting agency? 

I tried their telephone IVR system as well. It is not functioning and I had to repeat the same information again and again. I also asked them to address this through customer service email. I have not received any response so far. Why are they making this so difficult to obtain a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Dept of Education/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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Equifax allow a company to post something to my credit report without verification? Equifax has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is reporting a number of outdated and erroneous accounts on my credit file. I notified them of the errors and they completely ignored my request to verify the timeliness of specific accounts which, had Equifax actually conducted an investigation and done their due diligence, they would know that these accounts are being reported in violation section 611 of the FCRA. 

First of all, there is a XXXX XXXX XXXX account which not only is missing information : Scheduled payment amount -- blank, Date of last activity -- blank, XXXX months in 2015 " no data available '' -- I believe it was in one of these months that I paid the balance off on this, I do n't have the records anymore because it 's over a year ago and I do n't hold on bank statements and receipts once I 've filed my taxes for that year, I get rid of it ), and has confusing information : Date of XXXX delinquency : XXXX, Date of Delinquency XXXX reported : XXXX -- what took them so long to report?. And most damaging to my credit score is what information they are reporting is DEMONSTRABLY and BLATANLTY FALSE. It says my credit limit was ZERO for this card. Really? Zero? Then how did I rack up a bill of almost {$9000.00}. If you 're saying that my credit limit was zero, then essentially, you 're saying that the entire balance of that card was accrued without my understanding and knowledge, because according to you, I had a credit line of ZERO on this card, and therefore did n't expect it ever to reach a balance of {$8000.00}. 

This account 's information is far to corrupted to be considered reliable by any reasonable standard and I demand that Equifax remove this account from my credit file immediately, or I shall pursue further action in addition to filing this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i do not know how, why, or when a fraud alert was placed on me but i want it removed. i am unable to apply for any credit due to this fraud alert. i am unable to order my credit report to see if someone has used my identity due to the alert. how can i get it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX employees/resolution supervisor " XXXX '' Id # XXXX informed me along with other reps. that EQUIFAX will not and does not comply to federal rules/regulations and laws pertaining to the Fair Credit Report Act under Section 609 ( A ). In which in my case would suffice as proof and verification that debt is being reported inaccurate on my report. Currently creditors- XXXX acc # XXXX. I requested that EQUIFAX per the FCRA 609 verify through physical verification of the original signed certified consumer contract of any the account. In addition I supported a paid in full letter from the collection agency that collects for XXXXXXXX ( the creditor ) has advised me that they have incorrect information reporting on my file due to a glitch in their system that interchanges data with the credit bureau EQUIFAX system. Therefore in accurate information continues to reports until they can fix the issue etc. However Equifax refusal to verify this information physically would clear the issue up but EQUIFAX is stating they only verify electronically and they are not require to verify the information physically nor comply with the FCRA SECTION 609 law per my right as the consumer .They are stating the in accurate information via electronic interchange is correct ( when its not ). I am asking that EQUIFAX comply with this LAW per my written request dated XX/XX/2017 but denied XX/XX/2017 per documents attached .I am requesting that EQUIFAX request for the accurate information to report and comply with the lase, in the case information not reported to please delete from my credit report as the law complies. In addition XXXX needs to comply and provide correct reporting information to the EQUIFAX as well or EQUIFAX must removed it from my report completely. The response EQUIFAX provided me with is not physical verification of the debt amount due to XXXX has communicated that the information via electronic is a glitch. Therefore physical documentation is needed at this time in order to accurately report this information in which EQUIFAX refuses to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received an alert email last nite from Equifax letting me know my credit report was ready ... the problem with that is I did not access nor request my report ... Equifax told me the request came from XXXX ... they completely disavowed any knowledge of how it happened ... who pulled it or anything else ... their solution to my issue was to get on a computer to stop others from pulling my report ... they refused to put a freeze on it even though they are the reporting agency ... I am astounded that in 2015 someone can pull my report from anywhere other than where I live and it sent up no security alerts ... 
Then this morning I get a call from XXXX XXXX for my XXXX XXXX asking if I had made multiple charges on the account and they read them off ... it was north of {$3500.00} and as the rep was asking me about them he stopped himself and said wait ... the charges were made in XXXX ... I live in New Your, United States ... so if the bank can see where the charges originated why ca n't the credit bureau see where my report request came from? 
XXXX closed my account ... issued me a new card and started a fraud investigation ... Equifax did nothing ... 

Please help me with this matter ... thank you in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BARCLAY BANK issued a XXXX XXXX credit card to me and within a few months I received several unauthorized charges. Many calls were made to correct this over a few months. Reassurances were made by many representatives that the charges would be corrected and the account was closed for safety purposes. Yet the charges continued and the calls to Barclays continued. The last correction was for {$49.00}. Two months later I received an email for a late balance all regarding this {$49.00} and interest and multiple late fees. A bill that I was guaranteed had been removed after several more calls. I am refusing to pay this bill and I am not receiving any satisfaction from BARCLAYS BANK to correct this problem. How does a person protect themselves from these issues? This card balance should be XXXX. However ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a freeze on my credit report for Equifax and I never requested one, I have n't heard anything or received any calls letting me know why or when this happened. I only found out thanks to applying for a loan and the vendor telling me my report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed information, no valid debt confirmation was recieved within the period allowed by law. the information is still reported on my Credit and has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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:
An account on my file is reporting inaccurately and Equifax has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from Equifax has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Called Dovenmuehle Mortgage on XXXX/XXXX/16 and requested to have our escrow account closed out since we were planning to pay the loan off shortly, and have the balance of XXXX sent to us, and was told that they had put a request in, and that it would take 15 days to process our request, and that they would then mail us a check for the remaining balance. What they failed to tell us, which we found out a few days later when we called in, is that they first had to send us a form to be filled out before they would even consider closing out our escrow account, and that it could take up to 7 days to receive the form. Although every time we called to check to see if the form had been sent out yet, and talked to countless supervisors, they claimed every time we called that the form had been sent out the day of our request on XXXX/XXXX/16. When we finally received the form over two weeks later though, it was postmarked for XXXX/XXXX/16, so had not been sent out on XXXX/XXXX/16 as they had claimed. Although we faxed the form to them to help speed up the process they still took several days to process the form, but finally approved our request on XXXX/XXXX/16, which is the date they are now claiming that the escrow check was mailed out to us. Although it is now XXXX/XXXX/16 we have still not received the escrow check, and doubt that it has even been mailed out yet, as this seems to just be another one of their delay tactics to hold onto our money as long as possible. And the only thing they will tell us when we call in is that if we 've not received our escrow check in 30 days that they will send another check, which is unacceptable. This is our money, not theirs, as it is from our escrow account. So we should not have to wait 2 to 3 months for them to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There were XXXX charges to my sams master card synchrony bank card that I did not authorize. 
XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS CONTINUED TO REINSERT INFORMATION THAT WAS PREVIOUSLY DELETED STATING THAT THEY VERIFIED THE INFORMATION WITH THE VIRGINIA XXXX COURTHOUSE ON PUBLIC INFORMATION THAT IS REPORTING WHEN THE CFPB DID INVESTIGATION ON THESE ITEMS WHERE EQUIFAX RESPONDED THAT THE ITEMS WERE NOT REPORTING. AND THAT THEY HAD REMOVED THEM FROM THE CREDIT FILE AS A RESULT OF THE INVESTIGATION. I ALSO CHECKED WITH THE VIRGINIA XXXX XXXX HOUSE AND THE XXXX VA COURTHOUSE WHERE THESE SAID JUDGEMENTS WERE BEING HELD. THE CLERK OF COURT RESPONDED TO ME BY RELAYING THE FOLLOWING THAT THE VIRGINIA XXXX AND XXXX COURTHOUSES DO NOT GIVE CREDIT REPORTING AGENCIES THE PERMISSION TO REPORT THE CONSUMER CREDIT FILE AND THAT THEY CAN NOT PUT JUDGEMENTS ON MY CREDIT REPORT, AS THAT THE COURT DOCKETS DO NOT DISPLAY A SOCIAL SECURITY NUMBER TO ATTACH THEM TO. EQUIFAX HIRED AN OUTSIDE VENDOR TO GIVE THEM THE INFORMATION WHICH I DID N'T EXPRESSLY OR IN WRITING GIVE EQUIFAX PERMISSION TO GIVE ANY OF MY PERSONAL INFORMATION TO A VENDOR SUB CONTRACTED BY THEIR COMPANY. FURTHERMORE ALSO SHOWS THAT EQUIFAX CONTINUES TO PUBLISH NON FACTUAL INFORMATION ON MY CREDIT FILE WITHOUT PERMISSION AND CONTINUES TO RE INSERT INFORMATION TO MY FILE AFTER THE INFORMATION HAS BEEN REMOVED ALSO THIS HAD CAUSED ADDRESSES AND INFORMATION THAT WAS FRAUDULENT TO RE APPEAR BACK ON MY CONSUMER CREDIT REPORT CAUSING THE INFORMATION TO RE-AGE WHICH ARE CLEAR VIOLATIONS UNDER THE FCRA SECTIONS623-624 AND SHOWS THAT EQUIFAX WILL NOT COMPLY WITH FEDERAL STATUES. AND CONTINUES TO HANDLE MY CREDIT REPORT NEGLECTFULLY. PLEASE REVIEW PASS CFPB DISPUTES TO SEE THE RESPONSE OF THE INFORMATION AND RESOLUTION DECIDED ON THESE ITEMS CASE ID XXXX CASE ID XXXX CASE ID XXXX

Company response to consumer: Closed with explanation