vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am victim of mail and identity theft. Case has been filed and is being prosecuted by XXXX, XXXX Office. I have notified all XXXX credit agencies and, yet, they continue to post fraudulent information. XXXX, XXXX, is latest lender to post delinquency and seek collections, even though I notified XXXX several months ago that the application/s they 'd received in my name were fraudulent. Additionally, my credit has been dropped a XXXX XXXX (! ) points for a new mortgage and not sufficiently paying down on mortgage. This is a refi following a divorce and I have over XXXX equity in the home. PLEASE take control of these companies ; I was refused an XXXX phone service contract by XXXX Bank because of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to at least XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX or XX/XX/XXXX, and they completed the request on XX/XX/2017. The request that I submitted included at least XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2-3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. When I received these letters from Equifax, my name was spelled incorrectly on multiple letters. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, In regards to the XXXX report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of Equifax reporting inaccurate information under my name and social security number. I went thru XXXX years of having a gawd XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. Azz wipes! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD NOW!

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

Complaint narrative:
My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc
State: MN

Complaint narrative:
I was contacted by National Budget Planners and they told me that they could help me re-consolidate and manager my loan repayments for me so they would be affordable based on my income. I was told I would qualify for the pay as you earn program and my payments would be {$39.00} a month which was the charge they had for their services and my monthly payments would be {$0.00}. I also paid an up front charge of about {$490.00} which was broken into three payments. This all happened on XXXX/XXXX/2015. My loans were consolidated by my monthly payments were {$250.00} dollars and National Budget Planners were not helping me with the process. I called them over 4 times in a month period to try and have the problem resolved which has yet to happen. My account was XXXX days delinquent so I called XXXX XXXX to figure out what could be done. The number they gave me were a lot different that National Budget Planners and there was no monthly or up front chargers for me to take care of my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have not received a final response from Equifax because they are not responding to me. After months of attempting to obtain my credit report, I have heard nothing since submitting copies of my identification over XXXX weeks ago. 

I have received multiple notifications from merchants that my credit card information has been compromised and have been attempting for months to get a copy of my credit report. The credit reporting agencies appear to be manipulating the system to make it very difficult actually to receive a report. First, I attempted to get a credit report from the website. One of the required questions was the exact amount of the payment on a car loan that was paid off more than ten years ago. Next, I attempted to order a report by telephone and was told by the system that I had to write in. Then, I wrote in and eventually received a form letter claiming that my address was unknown. My address is a house that I own and have carried a mortgage on for XXXX years ; the mortgage itself - with my home address - is surely on my credit report. The response is wholly implausible. Nevertheless, I wrote in over a month ago ( XX/XX/XXXX ) providing, as requested, a copy of my driver 's license and my Social Security card. I have received no response. 

Equifax 's conditioning the required free credit report on information no one would reasonably be expected to possess ( the amount of the monthly payment on a loan closed for over a decade ), the claim that easily verifiable information ( the address of a house on which I have had a mortgage since 2002 and for which I have all the standard utility accounts ), and the failure to respond even after I have provided all requested documentation following multiple attempts over months - all while I have been told by credit card processors that my information has been compromised and I should check my credit reports immediately - is inexcusable and, taken together, raises strong inferences of a deliberate attempt to comply in form with the requirement to provide credit reports while in practice making it as difficult and burdensome as possible to obtain those reports. I also note that I have been offered " credit monitoring '' and other paid services along the way ( for example, " Equifax Complete '' ). I suggest that the credit bureaus be prohibited from offering paid consumer credit monitoring services in order to remove the obvious conflict of interest giving them every incentive to make it difficult for consumers to obtain the statutorily mandated free reports and drive them to the paid services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent 3 dispute letters to Equifax asking them to provide proof that these accounts belong to me and that I agreed to pay the debt. They have 30 days to respond to each letter. They have only responded to the first one stating that they have investigated and they will not re investigate these accounts. They have not sent me any valid documents proving that the accounts are accurate and belong to me. according to the 609 Credit reporting Act it is against the law to report unverified accounts to a person 's credit report. If the accounts can not be verified then the credit bureau has to remove the accounts promptly. They have failed to do so. The last dispute letter was sent XX/XX/2017. They 've had more than enough time to provide me with proof that the accounts on my credit report belong to me. All three dispute letters were signed, notarized, and sent with certified mail. The unverified accounts that remain on my credit report are as follows : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent Numerous notices to Equifax to delete the inaccurate Inquiries accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IN

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 these inquiries. being that they have gone past the allotted days and can not verify these inquiries, under Section 611 ( 5 ) ( A ) of the FCRA. they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possibly, Thank You Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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:
I am filling 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 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. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have had several issues in the past year with Equifax. I have no issues getting credit information thru XXXX or XXXX. Equifax claims there is no credit information tied to my name, address or social security number. I contacted my bank whom I have had several auto loans thru and they stated they are sending information to all XXXX bureaus every 30 days. I contacted Equifax and they tried throwing everything in my court saying I needed to prove who I am by sending copies of my drivers license and social security card via fax. How is it that XXXX of the XXXX bureaus have no issue with my identity and reporting from multiple lenders yet according to Equifax I do n't exist? Honestly, I am extremely uncomfortable about having to prove to Equifax who I am when I have already done so with all the lenders whom I have accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have mailed to them letters explaining my position on student loans ; several attempts with proof from the school financial aid department I 've attended. I have a zero balance! I 've shown this to them and the loan holder and servicer. They will not remove the information from my credit report. Initially there were XXXX student loans on my report, just recently they removed them after my most recent attempt to ask them to remove all of them. They will not remove XXXX of them. They tell me to contact US Dept of Ed, but they only want money from me. They will not accept that it is identity theft. Also, they do not contact me after I contact them. It is so frustrating ; I have medical bills on my report that do n't belong there either. But they will not do anything, but extend the time on the items, so that they will remain on my credit report ; it is so unfair. I am a student and I ca n't get financial aid because of this. They have conflicting information, and they 've all ignored the mistakes they 've made. This is extremely damaging to my life. I gave them information as proof and the truth of the matter. A contact name at the Institution XXXX where I once attended as a student before. I do not have any student loan debt. 
Please help me correct these issues with them, by getting them to remove the student loan fraud completely without it returning. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My social security number was stolen in late XXXX / early XXXX of 2015. I filed a police report immediately after being notified by a credit monitoring service ( XXXX XXXX XXXX ). Of the XXXX credit reporting agencies, only Equifax continues to claim the inquiries are " factual ''. XXXX and XXXX do not reflect the fraudulent inquiries. I filed a fraud report and even faxed in a follow-up document to Equifax , listing the fradulent inquiries. I will again contact all of the companies that ran inquiries with my social security number and ask them to report to Equifax the fact that these were not performed by me. I believe Equifax should be investigated over similar matters like this. 

Recently, I list these inquires as fraudulent on the Equifax dispute website. Equifax quickly respond by annotating the inquiries are " factual ''. The identify theft happened over a year ago, and these inquiries remain on my Equifax credit report. Please look into Equifax 's business practices with regards to closing investigations as " factual '', when they clearly are not. Of the XXXX credit bureaus, I do not believe they are adequately investigating consumer-requested corrections to reports. If they had, it would be obvious that these inquiries were not made by me. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I contacted Equifax in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Equifax again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Equifax that their computers were down and to call back. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX 2014 unpaid for {$37.00} I have never had any XXXX Service in my life please fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I applied for a refinance with cash out in XX/XX/XXXX. The rate was locked and the loan was to be underwritten by Carrington Mortgage. I paid {$450.00} for an appraisal which was performed in ( I believe ) XX/XX/XXXX. I was told we were near closing on at least XXXX different occasions and was asked to gather all of the final payoff documents. Each time, Carrington would come up with some strange documentation request and the closing would be postponed. Each time I was asked to provide additional documentation, I provided it right away. Again, I would be told we were near to closing/gather the documents/then be asked for some obscure documentation. This went on for months. I was told in mid-XX/XX/XXXX that we were ready to close. Once again, I gathered updates for all of the payoffs. This time I was told at the last minute that the appraisal had expired and I would have to get an updated appraisal. This time, Carrington agreed to pay for the appraisal since it was their fault that we had not yet closed the loan. The same appraiser came to my home and basically updated the same appraisal that was done previously. The next thing I know, Carrington is telling me that I have to " clear debris from the bathroom '' and " cover or fill the pool ''. Both of these items were personally discussed with the appraiser each time he was at the property. The appraisal also is marked " AS IS '' and that the value of the home is not contingent upon any upgrades or repairs. By this time, the representative that originated my loan had moved to another company. I decided, since nearly a year had passed and Carrington had STILL not closed my loan, that I would start a new application with the originator that had changed companies. This loan has moved along at lightning speed and we are nearing closing. The current loan company asked Carrington to send them the appraisal that was performed in XX/XX/XXXX. They, again, have been giving us the run around and holding up my loan. Today, I personally, emailed Carrington and was told that since I did not pay for the XXXX appraisal they would not release it to the new company. Bottom line ... Carrington Mortgage has given me the run around for over a year and I now believe they knew all along that I could not get an FHA loan with the credit score I had at the time. All I want is for them to release the appraisal to the loan company I am working with nowl

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested for fraudulent inquires on my credit report to be disputed in which Equifax has refused to dispute. Here is a letter from one of the fraudulent inquiries which was XXXX XXXX. XXXX XXXX has provided a letter to remove the fraudulent inquiries to the credit bureaus and Equifax has not deleted the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the XXXX days. 
Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX Banks XXXX XXXX Banks and XXXX XXXX XXXX XXXX BANK Banks and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Mortgage Reporters XXXX Mortgage Reporters XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXX MY NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
report shows my address as XXXX XXXX XXXX. I have never lived there. My correct address is XXXX XXXX XXXX. Equifax refuses to correct.

Company response to consumer: Closed with explanation