vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureaus fails to tell me how they verified inaccuate info

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They are reporting old address on my credit reports that were never mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
It is taking Equifax XXXX times longer to review the activities of alleged creditors on my report than it took XXXX. I even provided them evidence XXXX concluded their investigation, and found in my favor. Yet, nothing has happened with my dispute since the day I filed it. 

I am. Trying to buy a home and this inactivity on their end is standing in my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: FL

Complaint narrative:
While applying for a mortgage our mortgage provider worked with CREDCO to pull my credit report. During a rapid re-score CREDCO improperly pulled my credit on both XXXX/XXXX/2016 and XXXX/XXXX/2016 creating XXXX separate hard inquiries which negatively impacts my credit score. The double pull was an error on their part and should be corrected. We 've requested CREDCO report this error to the CRA 's and they 've refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They told me they would take it off my credit report which I did n't see it but the other day it 's reporting again and it says it 's been a debt since XX/XX/2016. Which it had been paid off and the debt is paid but it 's showing on my credit file and they are still reporting equifax and it 's hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is XXXX on my credit report that I feel is inaccurate in its filing. As a XXXX, I am protected under the XXXX of 2008 and therefore should not be reporting as a derogatory. 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 XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for XXXX 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 and hindered my military XXXX actions. I feel as a XXXX military entity that I have forfeited my XXXX and XXXX abilities for the government and I find it unworthy for the credit reporting agencies are not being held accountable to the law. I am requesting that CFPB advocate for me in this challenge.

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 — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Issue : Equifax is not capable of spelling my name correctly. In XXXX 2016 I wrote letter requesting correction, with proof. They responded by spelling my name wrong. I send another letter XXXX 2016, again they responded by spelling my name wrong. We did all this again in XXXX. They have just responded ... again ... .with the wrong name. I had mostly given up on having my name spelled correctly, but can not get the complimentary XXXX score from XXXX, with the name not matching. Can you help me please to get Equifax to spell my name correctly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refused to remove collection item from my credit report after providing them with all the necessary documents that show I am not liable for the collection item. 

BACKGROUND : XXXX XXXX, XXXX posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and XXXX XXXX should be closed down. The real lease is attached, notarized, and documented with the XXXX county recorder of deed, signed by myself and the property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 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 requests 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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

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: MD

Complaint narrative:
Equifax is showing every XXXX of my credit accounts as " derogatory '' and showing XXXX missed payment for each account. I have not missed ANY payments for ANY of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did n't authorize XXXX to check my credit history but they did. I do n't know how they did since I even did n't provide my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC.
State: KS

Complaint narrative:
On XXXX XXXX, 2016, I contacted with regards to an account which is appearing on my credit bureau. On my first contact I spoke with XXXX XXXX, and advised her I had made prior communication with your office regarding this debt as its validity is disputed. 

I advised XXXX that the debt was the result of an injury that occurred in a Casino, and that they were liable for the bill. At which point, XXXX XXXX advised me that I needed to provide the name of the Casino insurance company so your company could call and get the bill paid. 

It is my standing, that under the Fair Debt and Collection Practice 's Act, to be compliant, the company is to mark the account as disputed and validate the debt. However, in the above scenario, the conversation was not compliant with the FDCPA as the least sophisticated debtor would not realize that you are required to automatically follow a dispute protocol, and instead would have to go through the process of contacting the casino to provide this information to your company. 

Additionally, I later made contact with BC Services and spoke with a XXXX XXXX. I gave XXXX XXXX my name, and then XXXX XXXX gave me my date of birth and did not advise me that this was an attempt to collect a debt and any information obtained would be used for that purpose. I stand firmly, that your XXXX XXXX violated the law by providing my date of birth, instead of asking for it. Which violated PMI requirements. 

Additionally, both collectors made demand for payment knowing it was a disputed debt. In addition, the company had yet to send a validation letter to me, which is a violation of a recent decision by the Federal Consumer Protection Bureau that demand for payment within the first thirty days is a violation of the FDCPA, as the least sophisticated debtor would not realize they still had 30 days to dispute the debt. 

It is my belief that I have a valid claim against your company for non-compliance with the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, and by giving out my date of birth, possibly HIPPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States. 
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX. 
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX 
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
These accounts are only on Equifax report, they are not on XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed this account over 4 times If I can recall. This account is not past due nor it is supposed to reporting late. Equifax deleted the historical information but did not delete the historical codes. I have attached the dispute confirmation. Equifax also deleted the account from me credit report reinserted it without sending me proper notification. Confirmation # XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 
( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted The above-mentioned account was deleted from my file on approximately XXXX XXXX, 2016 and XXXX XXXX, 2016 ( please see enclosed page of credit report which details this ) and was reinserted on or before XXXX XXXX, 2016. Please permanently historical account codes and send me an updated credit report after it has been corrected. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disturbed that Equifax continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler had taken over XXXX from my bank account without my knowledge each time. The last withdrawal was a week before XXXX. I became very XXXX since. I almost lost my car, got evicted, water got shut off ect ect. They haave threatened to have me arrested and said that i would have to come up with the money somehow. I never allowed them to take any money from my account. The first time they took money out the women I spoke with asked me if it was ok for them to withdraw money again and I said No! They still went into my bank account a few months and did it again! All of my sons child support gone. I do n't think they went about this fair. The court officers were very nasty and would hang up on me or yell at me when I would call them to find out the debt. I asked Pressler & Pressler to send me all the information on the debt so I can see what I owed and all they sent me were papers stating how much I owed. That was not enough proof for me. They just tell me I owe this I owe that but they have no proof and they still go in my bank account and take my money. They took money out two times for an account and they still have n't refunded me the money. They are denying taking out the money and I had XXXX send them twice the proof that the money was withdrawn from them yet they still wo n't refund me the money. I 'm so confused on how to settle this cause they do n't give me a minute to explain. They hang up on me ... Please help me. I. Afraid to put any money in my account to pay bills because I do n't want them to clean out my account again. I went through a very bad XXXX after this and I just want this nightmare to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation