vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a notice that a XXXX account had been sent to collections under my name. I have never opened an account with XXXX nor have I ever authorized or co-signed for anyone else. I tried multiple times to obtain information from XXXX to see when this account was opened and to what address and have gotten nothing. The first time I called, the agent hung up on me after I asked to speak with a manager. The second time I called, the agent that answered simply remained quiet when I asked her questions. She literally did n't say a word until I hung up. I 've called four more times since then and I have been hung up on and transferred to the wrong departments each and every time. I have filed a dispute with Equifax and with the collection agency to whom the account was referred to for collections, XXXX XXXX , XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contact the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX, as well as the detective with the XXXX Police Department that this w as in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Equifax remove the Charge Off showing under my name with XXXX as well as remove this account and Equifax as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit

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: FL

Complaint narrative:
I have contacted Equifax on numerous occasions concerning this problem and it has not been resolved. In my experience their customer service agents are not very knowledgeable in regards to rectifying problems. Equifax has removed an account that is open and in a positive status on my credit file. The account to which I am an authorized user on, is my spouse 's XXXX XXXX XXXX, account number : ****************. It showed up for two days and then disappeared. I have contacted XXXX and they have assured me that they report the account to Equifax every month. I can also confirm that the account reports to XXXX and XXXX every month. By not reporting this account my credit score is suffering and I am having a difficult time obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX, XXXX, Equifax, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon review of my annual credit report, I noticed incorrect information on my reports from both XXXX and Equifax. It was a collections account for a place called XXXX, a business which I had never been to, or contracted for services with. My initial dispute with both companies was on XX/XX/2016. XXXX deleted the incorrect information right away, but Equifax said that it was my debt, and did not delete it. I sent a XXXX dispute letter to Equifax on XX/XX/2016, explaining that their initial decision was incorrect, and asking them to provide me with the method of verification used to justify their decision, and also to provide me with a copy of the verifiable original contract for services with XXXX XXXX of XXXX with my signature on it. Equifax has failed to produce a copy of a contract for XXXX XXXX of XXXX with my signature on it, so according to the FCRA Section 611, this information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Stop ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. XX/XX/2017 I disputed everything on My Credit Report with Equifax Requesting Physical Verification of Claims. 
2. Today is XX/XX/2017 and i still havent received a completed Response from online, email, phone, or mail, its been 32 days. 
3 I have attached online snapshots of there Business Practice along with my Dispute letter and my Identification. 
4. Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX XXXX, NY XXXX*Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI '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 XXXX 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 XXXX 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXXXXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called my bank to make a loan to build my credit and the bank said that Equifax have my birthday year as XXXX and I was born in XXXX but I 've never done anything with my credit so now things i try to do with my credit I ca n't and Equifax said they dont have any information and not looking into it. I NEED HELP ASAP! Im In the process of getting a car and apartment and ca n't do anything with my credit! I need this fixed ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to remove some hard inquiries off of my credit because I did n't try to open the accounts and the investigation took to long and never removed the stuff off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX reinserted a closed account in which I have no account agreement or signiture showing agreement to account # XXXX. On report it shows XXXX balance and XXXX due. 
I have no knowledge of such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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:
I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
None of the security questions Equifax asks apply to me - the answer is always None of the Above, and then they say that 's wrong and I am unable to obtain my credit report or file a dispute on an item I know is in there. ( I can see it via XXXX XXXX. ) There are tons of other reports of this exact thing ... It seems like a deliberate barrier that Equifax is putting up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have written Equifax several times asking for written verification or the name and or source of the information that they are reporting on XXXX accounts that I had with XXXX. Each letter has been requested with a written receipt. They are reporting XXXX account XXXX with XXXX different charges as charge-off.. The other account they were reporting that I owed money when I had in fact paid the account off. As of XX/XX/2016 they are reporting this last account correct. However ; they have failed to have accurately supply me with written documentation verifying the information that they have reported since my 1st original letter on XX/XX/2016 and my follow-up letter dated XX/XX/2016. 
Because their inability to provide me with some form of written documentation with my signature ; I am requesting that all information being reported on behalf of XXXX with the exception of the account that was paid in full be deleted immediately. I 've reached out to XXXX with XXXX letters ; ( return receipts ) as well and they have not replied to any of the letters requesting written verification. If the creditor can not provide me with the documentation then how could Equifax have verified information? This is my final goodwill attempt before exercising my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was not notified of this debt properly. Pressler and pressler forged my signature stating I received a copy of the judgement when in fact I did not. They levied on my bank account, I went to court and got the judgement vacated and my money returned. I wrote them the 1st cease and desist letter, asking them to not contact me other then in writing form. They broke the law by calling my significant other and my self after we both requested not be contacted other then in writing, and admitted to in a letter apologizing about them contacting me. They also broke Federal Law by trying to collect on a debt that 's not owed to them and using the US mail system and court system to do their dirty work. They have not specifically proved their debt with any agreement that I entered into with because I have not. They have not proved their debt purchase because the debt was illegally purchased for pennies on the dollar.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX account was readded to credit report after I disputed and had it removed XXXX/XXXX/16. I have attached proof. XXXX account, was added back to report after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is refusing to remove the CH XXXX bankruptcy from my credit file. I filed back in XXXX XXXX so the public record should have been removed on XXXX XXXX. I called them last week and I was told that they would not remove it and would stay on my file until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing with equifax incorrect information that is reporting on my credit report in regards to my XXXX charge account. Currently it is reporting as potentially negative with a 30 day late payment and a deragatory remark. This information is incorrect. I am attaching additional information from XXXX 's stating that this account was not paid 30 days late and they were going to notify the credit reporting agency 's of the changes to be made. I have been disputing this as far back as XXXX of 2016. Today I received another letter dated XXXX/XXXX/2016 supporting my dispute. This account should be reporting as accounts that are in good standing and the deragatory remark removed.

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 — Account terms
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Refused to pay for modem router, that they auto billed me {$150.00}. told them to send shipping label, then adjust bill from there, I would pay them once everything was straightend out, I would purchase my own, they never sent shipping label, and would n't adjust bill, cause I still had their equipment, I still have it sitting here, all boxed up and ready to give back Do n't hardly seem fair that I 'm being punished for refusing to purchase what they were trying to force me to buy. 
I 'm the customer, and I refused that part of their services, I have had many discussions with multiple people, and not one person can seem to figure out how to send a shipping label, and adjust my bill. 
I absolutely refuse to pay {$150.00} for their equipment, especially after a good 2 years of arguments, get on the ball people!!!!!

Company response to consumer: Closed with explanation