vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.

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

Complaint narrative:
I am in dispute of previously deleted inaccurate information re-inserted on my credit report, received on XXXX/XXXX/2015 from Equifax , dated XXXX/XXXX/2015 : Confirmation # XXXX : XXXX XXXX XXXX : Collection Reported XX/XX/2015. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
My mortgage payment of {$2000.00} was wired to Nationstar Mortgage on XXXX XXXX, 2015. My bank has confirmed the payment was made and received by Nationstar. Due to an incorrect account number keyed in Nationstar was n't sure where to apply the payment so they have said they returned the {$2000.00} to XXXX Bank. I have made numerous calls to XXXX Bank and as of XXXX XXXX, 2015 they have been unable to locate the money so have requested I ask Nationstar that they provide me the routing and account number of where the refund was sent. Nationstar does not seem to be able to or does not want to provide that information. After over XXXX in coming and out going calls and XXXX months later there is still no resolution. However, in the mean time myself and husband have been sent to collections over a payment that was made and received by Nationstar. I have always prided myself on making timely payments and keeping my credit in good standing. At this point I am frusterated and am not sure what else to do. I suggest you go to Nationstar victims or Nationstar bandits take a look at their XXXX reviews its very apparent I 'm not the first victim here. 

If needed I can provide very specific information of the people I 've spoken with at Nationstar, email correspondence records as well as in 5 days I will have from XXXX Bank copies of the XXXX way calls between Nationstar, XXXX Bank and myself. XXXX Bank has told me they have never delt with a mortgage company that is as difficult to deal with as Nationstar. 

Lastly in the " attachments section '' I have attached a time line letter I have sent to someone else who I 've reached our for help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Balance for XXXX Account # XXXX-1 incorrectly display account details and % rate details.

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

Complaint narrative:
Someone stoled my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a XXXX father struggling to correct my credit profile. I recently paid XXXX accounts in collections, and opened XXXX new credit card accounts for the XXXX time in years. My credit was that bad. Experian and XXXX worked with me and helped out huge, from deleting items that were not supposed to be on my reports, to getting back to me in a more than timely manner on other matters. EQUIFAX on the other hand, is doing the opposite. I 'm trying to remove a credit inquiry that XXXX XXXX inquired XXXX on me ( XXXX in XXXX days ), and since they are the same type and close in date, they should be deleted. Only EQUIFAX REFUSED TO DO SO. The other XXXX agencies did it on the phone, right then and there with a single additional question. They knew it should n't of been there. EQUIFAX, who I have called XXXX times in 2 weeks, speaking with XXXX people, say they are not removing it. This is absurd. How are these people in charge of our credit scores and reports??? I really need help with this, and little as it may sound to some, it is important to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

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

Complaint narrative:
XXXX has filed XXXX separate times with XXXX separate collection agencies, each time I 've disputed the acct, its been deleted off XXXX, equifax & XXXX XXXX, now they 've reported me again ( or I assume sold my acct ) with a different XXXX again called enhance recovery company, I 've continuesly disputed because this does not belong to me, I ca n't even dispute it with equifax because for some reason I 'm locked out of my report & I 've disputed it at least twice with experian but they just leave it there, funny thing is about experian a couple disputes of mine only took them one day to come back with their decision, I ca n't believe it took them one day, anyway I 'm so tired of fighting them, no matter how hard I try, my score has gotten so low, like XXXX & XXXX, from XXXX & XXXX, not the greatest but every time my acct is sold and placed again, it keeps XXXX it, help ... 
Ty, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a XXXX account that is not mine. And they will not validate the account according to the FCRA rules

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
I was contacted by this company that I do not recognize. I told them that I dispute this debt and it had been paid in full years ago. They sent me a letter saying its a valid debt. No backup from the original creditor nor the other company they subposably purchased it from. They continue to call early in the morning ( before XXXX ) and even on XXXX. They threaten litigation and say that I 'm a dead beat that does not pay my bills. Even after I told them it was paid. They continue to fail to provide proof that they even have a relationship with the original creditor or provide any assignments. This morning they called and were verbally abusive and made threats again in damaging my credit and litigation on top of calling me every name in the book. I told them that they were in violation of the XXXX act and they said they did not care. They even said that the debt would be reported on my credit report multable times.This debt is paid in full and is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
FRAUDULENT INQUIRES WERE INITIATED ON MY CREDIT FILE. A FRAUDULENT INQUIRY FROM EQUIFAX MORTGAGE SERVICES & A FRAUDULENT INQUIRY FROM XXXX. REMOVE FRAUDULENT INQUIRIES FROM CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been in contact with Equifax regarding excessive inquiries on my credit report and I have added fraud alert to my credit file regarding the issue with the excessive inquiries on my credit file. still to this date nothing has been done about it and I am showing new inquiries on my credit file that I did not authorized. I do n't see how this is happening if I have fraud alert on my credit file. there is about XXXX Hard inquiries on my credit report with Equifax that should n't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A university I applied to but was not accepted to, still had my information on file. They accidentally uploaded my social to a student who is currently enrolled in that university and her loan appeared on my credit report. I filed a dispute with Equifax and sent in proof and documentation that showed the loan was not mine. The documents included ; my social security card, copy of drivers license, email from financial aid director at the university stating that it is not my loan, and a police report. Equifax still did not remove this from my credit report even with all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to 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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is Public Record Information on my credit report that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, the CB 's are reporting as still active or satisfied. 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 " 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 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing a charged off account on my credit report with all XXXX agencies. It is my understanding according to NY state law that the debit should be removed after XXXX years. It has been XXXX months shy of XXXX years and I can not seem to get this removed from my credit reports. It is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account number is XXXX. I am a single mom going to college working XXXX and wanting to purchase a home as soon as this is off my credit report. If you could help me that would be great. I have done research and NY law states XXXX years. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX : Salesman XXXX XXXX advised me that I could pay half at start, half at completion of services. Never showed me any paperwork saying he was going to send my info in for a loan. I wanted to pay this was because I 'd had a bad experience with another company prior, and was just trying to be smart. Told him that I 'd pay the entire amount up front, that I was just trying to be smart about it. He assured me that I would never have any payments to make, and not to even pay him. Pay the technician in a week the first half, and the rest upon completion. The only thing I saw to sign was on an electronic tablet with only a space for my signature. He then, that very day, without my permission, submitted my info to their finance XXXX XXXX for a loan. This put a hard inquiry on my credit report which negatively affects it. I paid XXXX the full amount immediately, and never dealt with the loan company. What the salesman did was fraud. That was3 months ago, and as of this posting, they still wo n't contact Equifax to have the inquiry removed. Be very careful when dealing with this company. 
XXXX HAS REQUESTED THE HARD INQUIRY BE REMOVED FROM MY CREDIT REPORT, BUT EQUIFAX WO N'T DO IT. I ATTACHED THE REQUEST FROM XXXX.

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 — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, XXXX, I received an alert from my credit monitoring company All Clear ID that I had a new item on my credit report. The item was placed by XXXX XXXX XXXX XXXX. We called and found out that I have been a victim of fraud AGAIN through XXXX XXXX. The acct number for XXXX is XXXX, at address XXXX, TX XXXX contact # XXXX and email address of XXXX. I called XXXX and informed the fraud department this is the XXXX time that I have been a victim of fraud with their company. Why did n't they block my social for any new services. I have a credit freeze on my credit since XXXX, fraud alerts and a credit monitoring service. This should not have happened a XXXX time with XXXX if their informational system had due diligence and fraud preventive measures in place. My local police department Detective XXXX XXXX of XXXX Police Department XXXX. XXXX had the audacity to tell me that they have no idea if I allowed these people to use my credit history for services. Very poor customer service and fraud department even worse.

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

Complaint narrative:
There are grossly inaccurate items on my credit file. Equifax has had more than 30 days to correct these inaccurate items or at least verify and show me proof neither of those things have happened. This is an attempt to correct my credit report through my own due diligence. Please do not respond and say this is not me, I am recording all correspondence and will use these stall tactics in small claims they do not comply with the law. Attached is a letter to explain and prove the inaccuracies and my identification to prove who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Account # XXXX - XXXX Equifax is reporting my XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Equifax refuses to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had the sate of Washington unemployment say I owed {$3300.00} in 2011 I sent them the paperwork proving I do n't. They sent me a paper stating I do not owe the money and it was up to me to get it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a public record vacated from the State of New York ( Reference # XXXX ) for {$410.00} filed on XXXX/XXXX/2001. I disputed the item with XXXX, Equifax and XXXX since it was vacated, and I did not owe the monies to the state. XXXX and XXXX validated the account and removed it from my credit, but Equifax has not done so. The must validate the account, and remove it asap.

Company response to consumer: Closed with explanation