vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax maintains that credit report from XXXX XXXX XXXX bank is mine, however, the credit card issued was unsolicited with no signed contract. Equifax was informed the credit card was unsolicited and the bank committed fraud. Equifax did not get a signed contract from XXXX XXXX XXXX bank supporting their claim that the credit card contract was mine. Equifax did not adequately investigate XXXX XXXX XXXX credit reporting. They simply took XXXX XXXX XXXX word of the credit report without any signed contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Names of people I do not know are on my list of people I know. I do not know a XXXX XXXX, XXXX XXXX or none of the XXXX listed on my report. My inlaws are XXXX and XXXX XXXX. How do I fix? I tried several times with letters and phone calls. This cant be that hard. How was they added?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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 have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed these accounts. They are not charge off or wage earner plan accounts. They were filed in my bankruptcy XX/XX/2010 and listed in the mailing matrix that the US Bankruptcy court has on file. They are reporting Target # XXXX, # XXXX accounts as Charge-offs. XXXX XXXX # XXXX as a Wage Earner Plan. They are reporting false information and should be listed as included in bankruptcy. This has affected my credit.

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

Complaint narrative:
I was working with a company called XXXX for about a year itended up costing me XXXX dollars and it did not get it all taken care of. 
My husband and I owed XXXX to the IRS it was paid back and showed upon my credit report that it was n't so I asked for help and it came off ofXXXX, XXXX, but not off of Equifax so now I hope you can help meme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to investigate correctly and validate debt and correct dates and amounts. They continue to show items the items and also they have not provided me with an updated report. I want disputed items investigated correctly and updated correctly on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This account has been in dispute with equifax and XXXX came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from equifax so I redisputedit. It came back verified with XXXX. 


Equifax TransUnion Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Education Loan Student Account Status Closed Closed - Transferred Opened Date XXXX, XXXX XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX XXXX XXXX, XXXX Limit -- -- Term -- -- Monthly Payment {$140.00} {$140.00} Responsibility Individual Account. 
Individual Balance {$0.00} {$0.00} Highest Balance {$14000.00} {$14000.00} Payment Status Current Current Worst Payment Status -- Late 120 Days Date of Last Payment -- -- Amount Past Due -- $ XXXX Times 30/60/90 Days Late XXXX/XXXX/XXXX XXXX/XXXX/XXXX Remarks Consumer disputes - reinvestigation in progress Transfer

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

Complaint narrative:
I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, XXXX : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Account XXXX from the XXXX XXXX. XXXX XXXX is reporting inaccurately on my consumer credit file. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Please take the necessary measures and properly investigate the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX was deleted from my credit report on XX/XX/2016 and has been reinserted without any notification. Additionally, Equifax claims this account is still under investigation as of XX/XX/2016. I 've called Equifax to remove the item & they 're claiming they ca n't because it 's still under investigation. I 'm including the results from my original investigation which shows the account was deleted. I need this removed from my records IMMEDIATELY!!! This is a gross violation of the FCRA & I 'm entitled to {$1000.00} for this violation. Please see this matter is resolved NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a long store, it started back in XXXX with a XXXX, the plaintiff decided he did n't like my insurance companies offer and took me to court. His car was a flood vehicle with XXXX miles on it and when it went to court, the judge awarded him {$1000.00} for his trouble ( NJ XXXX had offered him more but he did n't want that ). This little ding went into public records even though the insurance company paid it immediately. It was n't discovered until 6 months later when I pulled my credit rating which was in the high XXXX, low XXXX and found that Equifax had dropped my score over XXXX pts. I sent them evidence ( scanned payment from NJ XXXX XXXX and they would not accept it. It was n't until I hired an attorney and got the attorney from NJ XXXX involved that Equifax accepted the documentation. They would not correct my score, only stated that it would stay on my report until XXXX. Since I used to have a stellar rating I assumed that it would correct itself in time. That has not been the case. I have purchased multiple " XXXX Score and Rating '' reports from XXXX, Equifax , etc and every time, Equifax neglects to provide any information. When I contact them they state that my credit companies ( XXXX XXXX, XXXX, etc. ) must not be transmitting the data. I 've been to XXXX XXXX, etc. and they indicate the contrary stating they report monthly and always have. This back and forth only got this way after I had hired an attorney. It has now been almost 4 years and I still cant get the information I 've paid for nor the correct information. 
The incident numbers below are over several years, as I have been trying to resolve this for that long. I also hired an attorney to look into the issue and after his communications, they lowered my score. 
XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCV Inc.
State: CA

Complaint narrative:
I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. 

The numbers they are using are:XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following address that appears on my Credit Report is not mine and never has been, please have it removed:XXXX XXXX CAXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.

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

Complaint narrative:
I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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 multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are XXXX accounts on my credit that do not belong to me and Equifax keeps stating that they have verified this info and I have called XXXX these companies and they tell me they have no information from me associated to those accounts. I keep telling them that they are reporting on my credit and they tell me that they can not tell the bureaus to remove something they do n't even have in their records this is extremely frustrating since no one is willing to help and Equifax has not done anything to help with this matter. Accounts are the following XXXX XXXX Bank XXXX - XXXX and XXXX # - XXXX those XXXX accounts are not mine and I never authorized anyone to obtain those accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: MI

Complaint narrative:
Did n't have a balance when I left the apartment complex.

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 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. I found out after the XXXX data breach and took steps to correct this. I included the following letter, with all the required information ( Theft Report, Affidavit, Credit reports reflecting wrong information, Identification documents, requests to block the information and applicable Federal and State Statutes ) and the Credit reporting companies listed above still did not block the information. Below is a copy of what I sent the respective credit reporting agencies ( XXXX and Equifax ) The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. Here are the protections I am seeking. 
Blocking Bad Credit Information from Credit ReportsThe law ( Revised Code of Washington 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. 
I have enclosed a copy of my Identity Theft Report/Police Report with case number and proof of my identity. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a tax lien on my Equifax credit report that is being reported incorrectly. Despite several letters to Equifax and today, a phone call to them, they continue to state that the information is being reported correctly and they have validated this with the Internal Revenue Service. I have done a lot of research and know that the the credit bureaus must comply with the Fair Credit Reporting Act as follows : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. " Since I know from the IRS ' website that they do not validate information with credit bureaus, I do not understand how Equifax can repeatedly tell me that the information is validated. It seems to me that they must prove that they are reporting correctly or delete the tx lien. FYI : Both XXXX and XXXX have deleted the tax lien due to the following '' We are unable to validate that the information on your credit report is correct and have removed the tax lien ''. 
It is really disturbing that credit bureaus seems to be able to do whatever they want as in my phone call to them today where I spoke to XXXX different representatives from Equifax. The first person stated when I asked if she was aware that they have to operate as set forth by the Fair Credit Reporting Act : " XXXX has our own rules for operating and we do not follow that act '', and then when I spoke to a person in their Executive Consumer Service Department she plainly stated several times that the accurateness of the tax lien was validated both in XX/XX/XXXX and XX/XX/XXXX when I sent them letters. When I asked how she backtracked and said she did not mean validates ... ... they just looked at the original document from 2009 and what 's on our credit report appears to be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.

Company response to consumer: Closed with explanation