vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, I applied for a second mortgage and all was great. On XXXX XXXX, I was informed by my credit union that the credit reporting agency told my bank that I now have XXXX social security numbers associated with my name. I then began the process of having this matter corrected but can not get it done with the countless faxes, copies and emails and phone calls. Equifax seems to be the company causing this, the other XXXX companies seem to have corrected this problem. I and my wife have now been denied credit on XXXX separate accounts. Also, they refuse to give me any case numbers to make matters worse when I try to discuss this matter with them. 
I appreciate any help that you can give me to correct this horrific situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
the credit agency XXXX, Equifax and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to obtain my United States credit report under the FACT act and have been having difficulties dealing with Equifax due to the fact that I am XXXX. 
I currently have XXXX XXXX credit cards under my name. 

1 ) I tried to obtain a free credit report at XXXX and it was unable to generate. 
2 ) I ordered an Equifax credit report on their webpage, at the end they asked to confirm my identity and provided a phone number XXXX. Equifax XXXX # XXXX. Equifax then cancelled the order. 
3 ) I phoned that number and they said I needed to speak with XXXX at XXXX XXXX ) When I phoned that number I spoke to XXXX on Team Red .... I explained the situation asked for her supervisor. She put me on hold, kept checking back, and after 15 minutes disconnected the call without any explanation. 

The main issue with Equifax is the fact that there system uses social security numbers however I have a social insurance number. However under legislation they have a duty to provide accurate credit reporting information. As I have XXXX XXXX credit cards when they say I have none this is inaccurate. Furthermore, they do not seem to care to remedy the problem when I have indicated the issue to them. 

Can you please help me fix this issue? 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting erroneous information in my credit file regarding a Bankruptcy from 2011. I have tried without much success to have Equifax remove the bankruptcy that is associated with my name and credit file. The latest result was a " confirmation '' that the information was indeed mine after the company " verified '' their information through XXXX. After speaking with an Equifax representative, it has come to my attention that the reporting agency makes use of third party reporting agencies. How Equifax came to their conclusion is dishonest and this makes what they are reporting invalid. I know for a fact that the court systems to not verify public records with the credit bureaus or third party reporting agencies. Equifax is using their insistence on their information being correct to ruin me and my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I need your assistance in helping me to get several accounts reporting on my credit file from Unknown removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified Equifax of this along with Unknown. However, Unknown has reported to Equifax that these accounts have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX is notified on multiple basis and reuses to correct wrong information. If they correct it, its back on the report next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the third company XXXX XXXX XXXX XXXX XXXX. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is allowing unauthorized inquiries of my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has the same account reporting twice on my credit report they both have a credit limit of {$180000.00} with a open date of XXXX 2008. I have contacted all XXXX credit Bureaus asking that they please remove these duplicate accounts but they keep responding verified. How is it possible for me to have XXXX accounts opened on the same date for the same amount? I want these duplicate accounts removed from my credit reports please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My daughter XXXX insurance is with her dad ( XXXX ) on the day of her office visit she was brought in for a wellness check. While in the process of seeing the doctor she was tested for strap and tested positive so the visit was coded different as a result her insurance covered it and I have paid the account and have been reimbursed by the insurance company so I would like for it to be removed from my credit report. I have contacted XXXX which is the collections company reporting on my XXXX and they have failed to remove this account that was reported in error

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company agreed to remove this debt from my credit report. It continues to appear. Please have it removed from all XXXX bureaus per the attached document citing their written agreement to do so. This information continues to negatively impact my credit report and my ability to obtain new credit and qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The XXXX XXXX XXXX acct. was not mine, although it is showing on my credit report. I was an authorized user for the gentleman who owned the account. He is handicap and sometimes I did his grocery shopping and banking when he got sick. He filed bankruptcy in XXXX of 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit Reporting agency Equifax never validate my judgment. They updated satisfied instead of removing like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Currently, I have a credit monitoring service courtesy of the recent OPM hack. After receiving some alerts, I perused my file and notice an inquiry from a company called XXXX, XXXX, in XXXX XXXX, 2015. I do n't know who this company is or how this company received approval to review my credit report. I want this inquiry removed from my file. I have not followed up with the credit bureau reporting this information ( EQUIFAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has not been any help to me I called to let them know that my student loan which is in good standing is appearing on my credit report numerous times and its all XXXX loan.It has been consolidated. I provide them with all the information that I could and they still did not remove anything.I have called my student loan company and they stated they submitted all my paper work to the credit bureaus and it should not be reflecting on my credit.I let Equifax know what my loan company said and still got no help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My report was attained fraudulently and I disputed with Equifax. Equifax refuse to remove the injuries stating they are factual but have n't given me any description of the procedure used to determine the accuracy and completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX with other party responsible for medical bills- underinsured motorist had to take over due to other party not carrying enough coverage for my medical bills- other party at fault. My XXXX underinsured motorist policy had to take over. Medical bill of {$250.00} paid to XXXX directly. Due to suborgation with XXXX and lack of enough coverage amount, there was delay. however, this bill was paid by XXXX prior to collections but not recorded as such. Never delt with collections agency at all. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I closed a XXXX account on XXXX 2015 and it is showing a late payment on XXXX 2015. I called XXXX and they said I did not have a late payment and XXXX did not report that I did have a late payment. But XXXX Exuafax and XXXX says I have a late payment on XXXX 2015. I want this cleared off my credit report. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 Equifax send me a letter stating that my disputes regarding disputed inquiries have been removed ( Confirmation # XXXX ). I recently viewed my latest Equifax Credit Report and unfortunately the inquiries that I was told were removed are still reflecting on my Equifax Credit Report. Here are the following inquiries the Equifax stated were removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING THAT EQUAFAX UPDATE MY FILE WITH MY NEW TELEPHONE NUMER. XXXX, Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An alleged debt in the amount of approximately {$280.00} was reported to Equifax XXXX for an account from XXXX ( acct. # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past 12 months I 've been advised by the Equifax credit reporting agency that my file is too large and currently is being reporting in XXXX different reports. The agency has falsely reported to me that the situation was being reviewed and/or resolved with negative results to date .... I last spoke with a Equifax supervisor yesterday afternoon who provided me a confirmation number of # XXXX. 

This issue is adversely impacting my credit score and violating my rights under the Fair Credit Reporting Act based on this information being inaccurately reported to potential creditors for the past 12 months. 

During the past 12 months this problem has caused my file to be misrepresented in terms of the true credit score and history because the majority of my good standing accounts are n't being captured in the credit reporting process with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows late payments as much as 180 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is XXXX State of Ohio tax lien still showing on my report that were withdrawn XX/XX/2017. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Ohio State release forms ( which I will also attach here for you ). I have also verified and sent this to the other credit bureaus XXXX and XXXX and they have removed the lien from my credit report immediately. Equifax continues to improperly report the lien and refuses to recognize the withdrawal and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has ignored documents that were sent to them proving that XXXX XXXX does not have the legal right to report or collect on alleged debt. Equifax did not properly investigate my dispute. XXXX XXXX lies to Equifax and they allow it. I sent in proof but Equifax did not take it in to consideration. Instead they ask XXXX XXXX if it is correct and XXXX XXXX lies and says it is. XXXX and XXXX both removed the trade line from my report as they acknowledged that XXXX XXXX had no legal claim.. XXXX XXXX has also lied to the CFPB in a separate dispute that I made directly against XXXX XXXX. I am not protected. Equifax has allowed Ad astra to violate my rights. I am a resident of Texas and XXXX XXXX clearly violated Texas XXXX. I sent in proof and it was ignored. I have attached a timeline and evidence that XXXX XXXX did not comply with Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been the victim of identity theft. Someone has gone to multiple departments to open up lines of credit. These stores include : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX as the so far listed names. As I did further investigation, I also have suspicious detailing of someone pulling up my credit report.

Company response to consumer: Closed with explanation