vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
here is a XXXX account that is showing on my credit along with he address of XXXX, ct XXXX, As well as a XXXX bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with EQUIFAX several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Years ago I discovered that someone was using my information to get a phone in XXXX At once I contacted both XXXX and Equifax to notify them about the problem and also forwarded the information on the XXXX department that I had contacted. XXXX fixed the problem, but I have been fighting for years to get Equifax to fix this problem and remove the problem. But as of today they are still reporting the XXXX address as mine and not as the Identity Theft that it was. I am very frustrated with Equifax for ignoring this problem and not even responding to my many communications with them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a request for investigation to Equifax over 1 year ago and have never received a response. The account is XXXX XXXX and it listed as a charge off. In the remarks block it says " Consumer disputes-reinvestigation in progress. It has said this for over 1 year. They never deleted the item or provided me with the results of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
There is an account that I never opened spoke with the company which is XXXX XXXX and confirmed this should not be listed on my credit file and also Equifax has inaccurate personal information, there response to my dispute states XXXX XXXX which is NOT me my name is XXXX XXXX. Please help I have disputed with no changes on anything. I can not make a financial move I need to because of the inaccurate items

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Information they are asking me to verify my account is not relevant and none of it relates to me. It keeps denying me a copy of my report saying I have failed to verify information that is not mine. Addresses and liens are not mine, as well as some charges from comcast related to the bad address. This is from equifax. The other agencies responded and removed the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.

Company response to consumer: Closed with explanation
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: NY

Complaint narrative:
I was victim of identity theft. Some accounts were opened, and managed without my authorization. XXXX, acct # XXXX. I have already submitted an identity theft affidavit, signed and notarized by me, as well as police report, and other supporting documentation, validating my claim. Equifax has chosen to violated section 605, as well as 611 of the FCRA, by not complying with my request. I did n't incur these charges, nor did I opened any of these accounts. I should n't have to pay for any of these. My credit is ruined due to some individual that has no remorse, and any ethics. I am now paying for this sins.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have an item on my credit report that does not belong to me. It says the status is closed, sent to collection for XXXX dollars. Says customer unable to locate consumer. I 'm XXXX military and have lived at this address since 2002. Same phone number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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 have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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 no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute on XXXX XXXX, 2016 and have not received documentation of resolution and the online dispute center is still showing pending.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate reporting by Equifax Legal Item XX/XX/2016 -- {$2000.00} Public Record Details Reference Number XXXX Court -- Date XX/XX/2016 Status -- Amount {$2000.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I started with disputing accounts with credit bureau because last payment dates were wrong, all account are over seven ( 7 ) years old. I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way that statement can be true is if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. It helped but some accounts were duplicates. Then the dates on reports that remained began changing again. In fact on XXXX ( XXXX ) accounts opening dates were changed and closing dates removed making it look like their open and in collection. This was after original creditors had removed them from credit report. The accounts were different at each credit bureau web site XXXX had account numbers XXXX did n't. and some were duplicate account numbers with different information. It 's hard to know which is real account. I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. There are so many XXXX XXXX accounts with different information I have to file all of them because I ca n't tell which is the original one, there was only XXXX XXXX XXXX card. I am working off of XXXX credit bureau with this complaint, it has account numbers maybe they will help, even if numbers have changed there better than nothing. All of the credit bureaus are the same in one respect, none have any payment history on any accounts that are in question. I have my past seven ( 7 ) years of bank statements and there were no payments made on those dates in fact no payments were made in those seven ( 7 ) years. I do n't know what is left to do. I 've disputed and contacted all XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX creditors and the XXXX in collections and I guess because of duplicates on most derogatory accounts a lot still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have disputed the incorrect information two times using the processrequired by Equifax. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed several complaints with Equifax, XXXX & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my report their is a collection on my reports which is incorrect I already paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In the economic downturn of XXXX I had a severe reduction in income, which put me in a position where I could not meet all of my regular obligations at once. I reached out to every creditor to make arrangements to either arrange for a settlement with my tax refund in XXXX, or to imporive my terms. Inexplicably, my balance with XXXX bank ballooned by a factor of over XXXX % without me adding any charges at all in a period of a couple of months. I was at an impasse with XXXX and they threatened to sue and they did. I requested statement documenting the obligation that XXXX claimed that I owed and having received the documentation I was prepared to defend myself in court. To my great disappointment and disillusionment with the fairness of the PA court system, XXXX asked for a summary judgement and received it without my ability to simply present the facts to a judge. Recognizing that my cause for fairness and justice was lost, I contacted the attorney for XXXX and asked that I be permitted to simply pay what I owed and nothing more, as that was the fairest resolution I could possibly hope for and the attorney agreed to accept a fair settlement of the bill. To the credit of the attorney for XXXX, they agreed to drop the matter legally, I and I chose not to appeal. Retaining this judgement on my credit report is a continual misrepresentation of the matter, and it should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked for full investigation including verifying all information which they did not do. Date Opened is not correct, where is the proof. The last activity date of XXXX 2013 is incorrect, the last payment was XXXX 2013. FCRA 611-15 USC 1681 5 ( A ) 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 promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed XXXX medical debts with Equifax the end of XXXX 2015 via the CFPB. I was told I would receive results from the investigation within 30 days. I have not received anything from them via mail or email. These debts are not mine and should be removed from my credit report. As of end of XXXX, XXXX debts continue to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax shows I have a hard inquiry from XXXX on my credit report on XXXX/XXXX/2016. I did not authorize a hard inquiry during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. 

DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
My name is XXXX XXXX. I had a XXXX XXXX XXXX card back in XXXX. I moved and did put in changed of addresses. I never received a bill from the Company. I just received a letter from Pressler and Pressler telling me they will garnish my wages. I told them I can only pay XXXX a month or so. I only make XXXX and hour. I have other bills to pay including a car payment and car insurance payments and high rent. I have a 5 XXXX XXXX XXXX born XXXX XXXX, XXXX and my Fiance got laid off from her job so its hard to make ends meet. Until recently when I received the papers from The Collection agency telling me they will garnish my wages I never heard from them before or the Credit Card company with Invoice to pay the bill. I always put in a Change of Address since all the other companies like XXXX and XXXX XXXX and my Cell phone were able to send me bills. If the garnish my wages and I only make XXXX My infant son will not have formula or diapers. My son needs XXXX. If he loses his Affordable Health I will have to pay out of pocket .I would not be able to pay my gas and electricity or my car payments or Rent. At this time I ca n't even afford health insurance for myself but I do have it for my son from Affordable Health. My Fiance cant even afford Health Insurance as well. I am willing to pay at least {$25.00} a month to Pressler and Pressler till I can get back on my feet and get a better paying job to support my family. I need my payments lowered by this Collection Agency. I can pay {$25.00} or less a month that is all I can afford. I have to provide for my family on XXXX an hour

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.

Company response to consumer: Closed with explanation