vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to try and get a apartment for the XXXX time because i am ready and i got declined because they said i had broken leases. I have never rented a apartment in my life. I am XXXX years and now my credit is jacked up. I thought back of what could have happened and my whole life was stolen from me i have to get a new everything. I really need your help please contact me!!!! Im too young to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My Equifax credit report is substantially different from XXXX and XXXX reports, specifically there is a XXXX ( XXXX ) and XXXX ( XXXX ) point difference between this XXXX report and the other XXXX. I have tried to resolve this discrepancy with Equifax to no avail. I realize that differences will exist between the reports but I believe that this discrepancy is egregious and is having a horrible effect on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I have made Equifax aware that my Identity was Stolen. I have also gave them my Drivers license and Social so they could verify my information since i put on a fraud alert. Over a year ago in 2015 I had disputed student loans that are on my account. The Creditors verified that they had improperly put student loans on my account and agreed to remove them since the account did n't belong to me. The Creditor sold the account to another party after they made Equifax aware that they did in fact damaged my credit with reporting improper information. This creditor still however was allowed to have this account reported on my credit report. It 's really affecting my life. Being a mother of XXXX the last thing I want is someone else to be able to damage my credit. I 've been XXXX because of this. This creditor has XXXX different accounts on my credit report. Equifax has allowed this company to fraudulently keep reporting incorrect information on my credit report. It 's damaging me. They are aware that I am homeless and trying to purchase a home for my kids. I ca n't do that with someone else robbing my family of that. I need Equifax to take this matter serious. How can they know that XXXX student loan was fraud which the company told them that and allow them to keep reporting incorrect information on my credit report. All of any information that was related to that account should 've been removed. By law they ca n't legally keep reporting fraudulent information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Point of Contact is XXXX XXXX with Equifax. Her email is XXXXXXXXXXXX. I have the issue of XXXX and Georgia power reporting on my credit file. XXXX companies never received the dispute notification even though Equifax claims to have placed my request for a dispute. However, XXXX XXXX with XXXX said even though they did not receive the dispute he will manually delete the item from Equifax and he gave me an XXXX number of XXXX. Yes, the item according to Equifax will not be removed because Equifax claims it to be verified in which RPM states they never received any dispute and never confirmed this account with Equifax. XXXX account is the result of Identity theft and I have on numerous occasion notified Equifax. Equifax claims this account is verified from the last dispute completed XXXX XXXX, XXXX under confirmation number XXXX. However, when I call XXXX they too claim they never received any notices of disputes and further stated that the last time they reported this account was back years ago in XXXX which matched the credit file. However, Equifax will not remove this item even after thirty days has gone by. 

Furthermore, there are several accounts on my credit file that are the result of identity theft which include : XXXX XXXX with account number XXXX ; XXXX CU with account XXXX XXXX and XXXX with account XXXX. 

In addition, I requested a consumer statement be added to my credit report with Equifax that reads : " I have notified Equifax on numerous occasions of accounts reporting on my credit file as a result of Identity theft with no resolve. Equifax has chosen not to block these items from my credit file with no specific explanation as to why and with no written communication. Further, several accounts on my credit file such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are the result of Identity theft and I have not received any goods or services from these companies. The identity theft is believed to have occurred during the XXXX XXXX patient data compromise and the XXXX compromise in which my personal identifiers while serving in the XXXX are believe to have been compromised ''. 

With the above consumer statement, I do not want assistance from Equifax in modifying or editing the statement or any other assistance, I just want them to add my statement exactly how I wrote it. I want the statement from my words only. Equifax claims they will modify this statement against my wishes. 

The disputes under confirmation number XXXX were not processed properly in accordance with the FCRA and therefore these items under this dispute with completion date XXXX/XXXX/XXXX should be deleted. 

I have requested the method of dispute in writing for the dispute under confirmation number XXXX, however, Equifax will not send me information pertaining to the method of dispute used even though I have the right to know under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has taken more than 40 days to conduct and conclude an investigation to a dispute on sent on XX/XX/2017. It is now XXXX and I have not received anything. They never sent me a copy of results nor did they updated their online credit monitoring which still says " pending. '' They have also deleted some inaccuracies but illegally reinserted those items without let me know within the 5 day timeframe set forth by the FCRA. Attached is a screen shot of the non updated dispute which shows that it is still " pending. '' And a letter to redispute the times that were never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They are reporting a bankruptcy on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an account with Equifax that was removed and has returned. 

XXXX : removed on XX/XX/2016 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 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 SS # XXXX DOB : XXXX/XXXX/XXXX 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 XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX XXXX : XXXX/XXXX/XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submited a written dispute to the credit bureau and they stated the creditor has verified the accuracy but they have not showed proof of verification. I also have paperwork showing that the information they verified is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You and they have multiple reports on file concerning the continued abuse of the LAW. Businesses continue to respond to inquiries even though there is and has been fraud alerts on the file. Also even though they have been advised I do not want queries they resist and say tough! To date I have been advised I have over XXXX inquiries on my account!! All of this has caused me sever financial harm! My credit score is lower by a major number increasing my loan rates and terms! What good is the faade of a LAW?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My identity was stolen while I was stationed at XXXX XXXX, XXXX, in the United States XXXX. 
An individual residing at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX opened an account with XXXX using my SSN. I contacted XXXX and informed them that I did not live at this address and that I currently resided in XXXX not XXXX. They told me they would remove the credit inquiry from my credit report after I submitted the police report to them. 

I faxed them the police report and also submitted a dispute with Equifax about this inquiry, but about 6 months later the inquiry is still on my credit report. Equifax is also reporting this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX which puts me at further at risk for identity theft. 

I would like Equifax to remove this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and remove the credit inquiry from XXXX dated XXXX/XXXX/2014 from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Equifax states that they have investigated the information and found the information to be accurate, which they would find it is not if they verified the information through the Ohio Attorney General ( lienholder ). 

What method of verification is Equifax using? Are they using an automated system or actually calling the Ohio Attorney General to verify the information that I 've previously stated? A tax lien is a big deal and it 's inappropriate for due diligence not to be acknowledged for the sake of saving time. 

My complaint was not whether or not the lien could be verified. The complaint was that the agency has not abided by the lien holder 's request to remove the lien from my credit report, as XXXX and XXXX has already done. 

The agency is using simply using a program to scan for information as to calling the Ohio Attorney General 's office directly and verifying that they have, in fact, requested that the lien be removed from all credit reports -- again to which all have complied except Equifax. 

The Ohio Attorney General can be reached at ( XXXX ) XXXX to verify that the lien should be removed. Please do the due diligence required in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX bill for XXXX This is a medical claim that I have submitted a affadavit to the fact I never received treatment from this doctor and requested documented paperwork showing that it was me, furthermore it was a case of fraud someone using my identity on a 5 year dr bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed several times and no results on a judgement that is listed on my report. They have constantly got back with after the allotted time of 30 days, with unverifiable information. I called the creditor and they said they took care of things on their part and the court said the Agency should delete due to there was no executed judgement.I dealt with the company.On my last inquiry they should have already deleted due to no responce in the several request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company with no name or information or address is reporting on my credit, and it is affecting it really bad. There is no way of communication and is reporting as N/A.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past four XXXX 4 XXXX years I have disputed some erroneous information on my credit report XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute for a tax lien that is being reported on my Equifax report. The lien was released by the IRS on XX/XX/XXXX. Equifax has been reporting this information since XXXX. I have sent them proof it was paid in full on XX/XX/XXXX. This information should have been removed from my report after XXXX. I keep disputing the information but yet the refuse to removed it as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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:
I requested signed and proven documents from Equifax for the following inquires and they have not provide the information, which is hard copy of the application with my signature showing I applied for credit. Please remove inquires ASAP. 

Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Dear Equifax Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 

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 If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Equifax to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Equifax is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collection placed on my equifax by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to equifax that the thirty days passed and I received no validation of my debt and I had asked equifax to remove this collection immediately. Equifax never responded to my dispute ; it has been over six months. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

Company response to consumer: Closed with explanation