vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed this account and it 's entirety on XXXX different occasions. Once in XX/XX/XXXX and once again in XX/XX/XXXX. I have XXXX different confirmation numbers including the one I listed above and XXXX and both times Equifax confirms that XXXX is reporting the information accurately. The first dispute Equifax replied with a 30 day late payment XX/XX/XXXX, a 60 day late payment XXXX XXXX, a 90 day late payment in XX/XX/XXXX, then 120 day late payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the the account charges off " L '' for the months XX/XX/XXXX-XX/XX/XXXX. There is NO PAYMENT HISTORY in between XX/XX/XXXX-XX/XX/XXXX. Then Suddenly XX/XX/XXXX after the charge off status has reported for over a hear, it suddenly begins reporting payment history again of 180 days late XX/XX/XXXX - XX/XX/XXXX.then immediately report the account as a charge off again. ON the second dispute Equifax then verified they were reporting the information correctly, but the added a 180 day late payment in XXXX XXXX as well then began reporting the account again as a charge off. It 's my understanding that once the account has been charged off, unless payments have been made then the account remains as a charge off and ca n't pick up late payments randomly a year after the account has charged off. I also requested payment history from XXXX via certified receipt and at the same time I sent a dispute to Equifax and I never heard anything back from XXXX. This is all illegal and Equifax is allowing information to report verified or not that is common sense that it should n't be reporting. I think it ' ludacrus that I have now spent over 3 months of my life trying to get information corrected and it 's impossible no matter what I try.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. 
MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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 Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, 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 State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax reinserted an account by XXXX Bank and Trust, which the creditor requested to be deleted. This occurred after deleting all of my inquiries and positive accounts for no apparent reason dropping my credit score XXXX points within a month 's time. Enclosed is a copy of a letter recieved from the fdic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report is a mixed file and contains information of a family member with the same/similar name. The information that is incorrect includes addresses, employment information and credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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. I have sent supporting documentation of letters and police reports to Equifax in regards to being a victim of identity theft and fraudulent accounts listed on my Equifax credit report. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. The following are fraudulent accounts opened by someone who stole my personal information and identity : XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, MN Child Support Enforcement Division : XXXX, University XXXX XXXX : XXXX, XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on XXXX Equifax Credit Report. My last document XX/XX/XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: TX

Complaint narrative:
Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action returned.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On my XXXX report it shows that i have XXXX debt transaction on my SSN which was given to collection agency. XXXX on Equifax from XXXX on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was deleted from my account due to Identity theft and it has recently been placed back on my report.

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 — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX College had a data breach involving XXXX Forms, which includes names, addresses, social security numbers, salary information, and tax withholdings for XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because Equifax has ignored my request many times to provide me with the documents that their company has on file that was used to verify accounts the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I filed a dispute through my XXXX XXXX account. It was sent to XXXX and was removed from my credit report but it was n't removed on my Equifax report. This open account is still on my Equifax and I 'm not understanding why. I also have other information that is a typo and my longest employer is not listed. And I have tried to file a separate dispute through Equifax but it keeps telling me that my personal information is not the same as they have but I know it is. I am told to fax my drivers license, etc.. in first. Why do I have to go through all this? I can provide a file # if needed. I hope the case # I provided is the same as a file #.

Company response to consumer: Closed with explanation