vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
There are numerous inquiries from lending institutions for an auto loan which I never authorized reporting on my Equifax credit report. I have disputed these inquiries with the credit bureau along with the creditor with no recourse. These inquiries are negatively affecting my credit and I have expressed my dissatisfaction with the method that my disputes have been handled with the Equifax credit bureau and lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My social security card was recently stolen. How do I notify the agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Plese correct date of birth and remove any items prior to my XXXX birthday

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The XXXX and XXXX account information should not be on my credit report. I do not owe XXXX and XXXX was paid in full before i left the XXXX. I disputed it already with XXXX and it was removed so I need to also have it removed from my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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 I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent a dispute to Equifax based on inaccuracies being reporting by XXXX XXXX XXXX XXXX XXXX. My account with XXXX XXXX XXXX XXXX XXXX is set up on automatic payment deductions, bi-weekly and the Credit Union failed to take out the payments, which resulted in late payments being reported to the XXXX major credit bureaus. I spoke with XXXX in the loan department at XXXX XXXX XXXX XXXX and asked her to correct the information. She indicated, XXXX XXXX XXXX XXXX would correct the inaccurate reporting when disputed when the XXXX credit bureaus. XXXX stated, the credit unions policy is to have the consumer send in the dispute and when contacted by the Credit Bureaus, they will report the account as on time and asked that the information be corrected in my credit file. 
It is my understanding when XXXX XXXX received the dispute, they requested the information be corrected, to show on time payments. However, Equifax deleted the account in question, as well as deleted XXXX other accounts with XXXX XXXX XXXX XXXX. XXXX secured installment account reports ; " Paid in full with on time payments '', the XXXX account is for an auto, which is open and show on time payments since XXXX XXXX and the XXXX account in question, is an unsecured installment account, opened in XXXX XXXX and should have shown on time payments. A total of XXXX accounts were removed with perfect payment history as a result of my dispute. The removal of the XXXX accounts from my credit file, is highly injurious to my credit rating and did reduce my score, contributing to my inability to secure a mortgage recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of fraud, I lost my wallet some years ago. I called all three credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report 10 times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Credit Card was never activated YET I 'm receiving mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here are my disputes : XXXX XXXX XXXX XXXX # 1 the date " XXXX/XXXX/XXXX '' does NOT exist yet and I 'm sending you proof AGAIN # 2 the docket # XXXX is NOT correct # 3 XXXX is NOT a court and you need to have the city and state listed # 4 " A : '' is not a liability *You need to remove this account immediately and I 've already notified the Consumer Financial Protection Bureau as well as the XXXX in this illegal matter XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for Equifax states XXXX/XXXX/06, XXXX states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )

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 — Public record
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX that was included in a bankruptcy XX/XX/XXXX. The mortgage was then sold to XXXX, then clearsprings sold it to XXXX. I am currently paying and in good status with XXXX. In XXXX of this year XX/XX/XXXX I got a hit on my credit report that XXXX had made a change on my old mortgage even though I had not had them on my mortgage for over two years. I filed a complaint XXXX with equifax. XXXX stated there was no issue and closed the case. I then started the process with XXXX Bank to refinance the property. During this process they received notice and letter from XXXX that the mortgage had a foreclosure listed. They notified me XX/XX/XXXX and was shocked, since I have never had a foreclosure and this mortgage was protected by bankruptcy. I immediately called XXXX equifax the same day and entered complaints. XXXX could never find an issue and neither did XXXX or XXXX Bank. Equifax also said there was no issue. Even thought the false foreclosure is not listed anywhere on my credit report it was a code listed by equifax. My bankXXXX, and equifax all had a conference call and it was obviously the Equifax had it coded wrong and the code showed the foreclosure. Even during this call a Equifax refused to change the code. Therefore I need help getting Equifax to code correctly and remove the code that is showing foreclosure. Please help. I have attachments but my iPad will not attach. Will send if someone sends me email I can send too. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed this account with Equifax before, I do n't understand when you point out clear evidence of the account being wrong they still what to report it. And tell you they need to do a 30 - 45 days for and account that is clearly wrong. Has not clear payment history and reporting Delinquency twice on the same account with two different days. The correct date is at the bottom of the page of the page XX/XX/XXXX. The payment history clearly shows it when it when to collection. Then also shows when I made the last payment making it XXXX balance as it is being reported. But out of no where the have a another date making it appear that the Major Delinquency is reported last year XX/XX/XXXX. This has hurt me in getting fund because it appeared to be recent. I tried to tell the lender that but they said there is no clear payment history when it started because they put NR all over my payment history making it unclear when anything happen. I called Equifax to show them the clear error of reporting two different days of delinquency and how it is effecting me getting credit. I ask to to remove this clear error and do investoring before they can put it back on my credit report because why should I suffer when someone else makes a clear mistake. I am looking for funding for my business and things like this can take my out of business. It is not fair when reporting agency see clear errors and refuse to remove them until they are probably fixed. When I did a investigating with Equifax in the past they took XXXX points off making my score to low to get funding until the investigating is done. This is like blaming me for standing up for my rights to fix my account and making me suffer for 30 - 45 days until they finish investigating. My score should not be affected until the final update is finish. Why should I suffer for and error that Equifax should not aloud to report. No clear payment history and two different delinquency dates. I spoke to a supervisor and they said they can not do nothing but file a dispute when this account should be illegal. It is clearing wrong. XXXX Account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX/XXXX/2015 I wrote both Equifax and XXXX a letter requesting a removal of an unauthorized hard inquiry on my Equifax credit report. The letter sent to XXXX was returned as undeliverable from the US Post Office ( this was the same address listed on my Equifax credit report ). Equifax responded on XXXX/XXXX/2015 directing me to contact XXXX directly. After a complaint was submitted via the CFPB on XXXX/XXXX/2015, they responded today ( XXXX/XXXX/2015 ) again stating that I need to contact XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Protection complaint through the AG # XXXX. 
Based on information obtained from Equifax, personal credit card limits have been reduced. As a result, the score reported by Equifax ( and sent to XXXX, and other reporting agencies ), has increased my debt ratio considerably. An example is a consumer card ( XXXX ) originally had a {$2000.00} limit. The charge on the card is {$1100.00}. Based on Equifax reporting, the limit on this card and others, has been reduced to the amount owed, consequently publishing a ratio of XXXX % utilization. 

" Your total credit card balance {$16000.00} Your total credit card limit {$24000.00} = Your credit card utilization XXXX % USAGE BY ACCOUNT XXXX XXXX XXXX XXXX XXXX % Balance : {$3000.00} Reported : XX/XX/2016 {$3000.00} Limit XXXX XXXX % Balance : {$4800.00} Reported : XX/XX/2016 {$5000.00} Limit XXXX XXXX % Balance : {$1000.00} Reported : XX/XX/2016 {$1100.00} '' Additional complaints of non-authorized addition to a XXXX XXXX account, goes unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my request to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
hello I was checking my credit report with your company and I found different agency and card that I never fill out or use. and very worry about my credits

Company response to consumer: Closed with explanation