vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A home phone account was opened up by my parents in XX/XX/XXXX, and two years later I was born. Upon running a recent credit report for refinancing my own home, it was discovered that my parent 's phone account was placed under my name, including a negative reporting that showed up on my credit report. My father and I share the same first and last name, but we are not a XXXX The phone company ( XXXX ) has been extremely difficult to work with in getting this resolved. I understand this can accidentally occur when family members share names, however since it was their mix-up, I feel they should be the responsible party for clearing this up. They transfer me from department to department, which also results in many disconnected calls. I 'm exhausted of telling this information time and time again, however they do not seem to care about working this out in a timely manner. Rather, it seems that as long as it does not affect them, the customer is responsible for their ( XXXX ) mistakes and the legwork involved in cleaning it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting company will not delete wrong information on credit report.

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

Complaint narrative:
This has been going on for over a year and a half. It has to do with XXXX XXXX XXXX ( XXXX separate accounts ). I contacted XXXX to fix the problem with Equifax , who was still reporting accounts were not paid in full and open that was still open. I wanted to give them a chance to fix the issue. Then to my surprise they made a Key Derogatory on the XXXX accounts to XXXX. 
I am just trying to fix my credit report and XXXX keeps making it worse. I have paid these accounts in full, one of them they put to a lawyers office and put me through a very difficult time, but I did pay them off. I did disputed the with credit reporting agencies about the fact XXXX was not updating my records that I was making monthly payments. I then recieved a letter for XXXX that they would not respond to any other disputes about any of my accounts. I can continue to look for that letter and the letter from the lawyer that the other account was paid in full, but on my credit report it shows that account has a XXXX balance, but with Equifax it is not closed. 
I would like to see some kind of justice happen. I want my report to reflect the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I HATE Equifax!! I file for my free credit reports every year for the last 10 years. 
AnnualCreditReport.com is a great one stop place to pull all XXXX and I view, print, and dispute seamlessly with XXXX and XXXX. Equifax always locks me from my report as soon as I answer the identification questions. I answered correctly, I know I did, because I answered the questions from the other XXXX bureaus without issue. So I logon to Equifax.com with my username & password, click Reports, the Credit Report ... blank screen. Call Equifax and they tell me I have to call AnnualCreditReport, ACR tells me to call Equifax. Equifax offers to mail me a copy of my credit report in 10 days and then I can fill out forms to file a dispute - BUT I can do all that online if I pay for a subscription. They know people do n't have time to keep cleaning up their credit & know people will pay for the service so they can clean up their credit in one swing. This " bureau '' is a joke, its a private company controlling the credit of every American citizen without repercussion. If these private business are federally regulated, then I encourage someone from the federal government to monitor Equifax. Try obtaining your report and then calling in when your blocked from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I had a loan for a motorcycle through XXXX credit company. I received a check from my bank offering to transfer balances at 0 % for a year. I called XXXX and gave the clerk my check number and paid my loan off. The next month I received a statement stating that i owed for two months. I immediately called XXXX and spoke to a supervisor ( XXXX at ext. XXXX ). He apologized for their error on the check for it not going through and no one from XXXX called to tell me. I gave him the check again and it got processed correctly. He stated that XXXX was not showing a late payment due to their. So, my loan is paid in full and I have my title. I got my annual credit report and Equifax is showing that I was two months or more late and my credit score went from 728 to 684. This needs to be taken off my credit report and my credit needs to revert back to where it was. My account number for the loan is as follows:XXXX. Again, the supervisor that i dealt with was XXXX ( not sure on the spelling ) at XXXX. When I called on XX/XX/2017 and spoke to the clerk that answered the phone she reassured me that I was not a day late. I will be patiently waiting for this issue to get resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested twice that this debt record be removed from my credit report on Equifax as it is 13 years old. The debt was originally from XXXX XXXX and now listed as XXXX. XXXX XXXX has removed the debt from my credit report. Equifax has not and keeps returning a response that the debt belongs to me and does not address the age of the listing on my credit report. I have spoken to Equifax by phone and made a written request. 
XXXX has never contacted me or sent a statement. The amount of debt listed is incorrect. Please assist me in getting this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted Equifax several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and there are items that they have failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In the beginning of XXXX XXXX we contacted the Oklahoma XXXX XXXX to inform them that our unpaid income tax would be paid by the end of the month and to ensure a lien would not be filed. They assured us the lien would not be filed unless the income tax was not paid by XXXX XXXX. Two weeks following that conversation we received the lien in the mail which was paid in full the following day. On XXXX/XXXX/XXXX, I filed a dispute with XXXX and Equifax stating the same since this lien had appeared on my reports. On XXXX/XXXX/XXXX, XXXX confirmed and deleted this from my credit report. Equifax submitted their results today, XXXX/XXXX/XXXX and has refused to remove the lien from my credit report. It is obvious from my attached credit report that I am a financially responsible consumer who continually makes payments on time and is never late and satisfies each and every loan that I take out. This is the only negative thing listed on my report and it is hindering me from refinancing my home into a conventional mortgage which will save my family and I tens of thousands of dollars in the next decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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 incorrect information that is reporting on my credit reports. XXXX/equifax/XXXX. I have an acct on there that is a result of identity theft ( XXXX ) and the credit reporting agencies just keep updating the information and keep telling me that it meets the fcra. This is completely ridiciulous as I am being penalized for something I did not do. I also had a XXXX card opened in my name and it has been verified directly with XXXX that this acct was opened fraudulantly. I have been writing letters and making thousands of calls to the credit beaurous to please remove this information off my report and they are doing nothing about it but keep updating the information. This is affecting me in obtaining credit as it is affecting my credit score. I have obtained free legal advise as to what steps I should take in suing the credit beaurous because I have allowed more than enough time for them to investigate this and remove it from my report. This has been going on for months now. I also received letters from equifax telling me I need to be more specific with my complaint. This is ridicilous as well as I ca n't be anymore explanatory. It 's IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In obtaining my credit file from EQUIFAX Credit Reporting, I saw where they were still reporting a Chapter XXXX Bankruptcy that was filed XXXX. I disputed this because it has been 7 years, 6 months and they are still reporting this case. The filing of the bankruptcy was never in dispute. Bankruptcy cases has always been removed after seven years from the file date.

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

Complaint narrative:
On Equifax, there is still a " XXXX, TX '' address. I have never even been to Texas. That is not mine. I contacted someone in the past, it must have been XXXX, as I see it is not on that one anymore. I need that removed. I have paid off XXXX large debts within the past 3 months and my credit score keeps going down. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
delete all XXXX XXXX collections from all XXXX credit bureaus, for the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've sent XXXX XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit file regarding an old Student XXXX through XXXX XXXX XXXX that was paid/closed. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

I have attached copies of correspondance and a copy of a draft complaint which I intend to file if Equifax is unwilling to directly resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX said that they requested for this account to be removed because it was not my responsibility to pay. Medicaid said they are the ones who have to take care of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've been asking Equifax to assist me with correcting information on my credit report for more than 4 years. It seems they have some incorrect personal information because I can not be " verified '' using their automated system. 
I 've called, which leads to an automated system that hangs up on me, i 've attempted to use their web service for disputing errors, and i 'm not able to login because i 'm not able to be verified, and i 've written letters, but never received a response to a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Current Creditor on my file has been denied access to my file due to my Credit Freeze. according to Federal Law any current creditor is allowed access without consumer having to Thaw credit. I called equfax. Employee XXXX in XXXX stated I must first purchase a product before he will Tell me why current creditor was denied. I explained my rights and asked to speak to supervisor. Was only hold 17 min before I hung up. All return calls were answered in XXXX again.

Company response to consumer: Closed with explanation
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:
On XXXX/XXXX/XXXX someone tried to check my credit without my knowledge and created a hard inquiry that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. 

There is also a XXXX incorrect hard inquiry on XXXX/XXXX/XXXX labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have XXXX removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have attempted on multiple occasions to correct an error on my Equifax credit report pertaining to a mortgage that was paid off XX/XX/2011 but is still listed on my credit report as an open account with a balance of {$440000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I spoke with Equifax directly on XX/XX/2017 and advised the credit reporting agency that the reported website score was inaccurate. My Equifax score was almost XXXX points higher, per my current creditors, than what was being reported online. My credit scores for XXXX and XXXX are significantly higher than the information reported on the site, even with the discrepancy in the scoring models. XXXX utilizes that XXXX scoring model as well and reported a score over XXXX on all documented creditor/credit reporting sites. Equifax has no explanation for the inaccurate information and offered no remedy during my conversation on XX/XX/2017 with their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX unauthorized inquiries on my credit file. Made my score drop by XXXX points. I submitted a dispute with equifax and they sent back over the results stating that the inquires are factual. I never authorized the companies I disputed permission to pull my credit file. I had a preapproval and only wanted to use XXXX XXXX. I only needed proof of my income and proof of my residence to obtain the vehicle. Why would I go through the hassel of applying to other companies when I had spoken with a lender and had an approval. The dealership did not have my permission to submit no deals on my behalf to any of the companies listed in my inquiries. I explained to them what I wanted and asked if they could not abide by the approval, let me know and I would move on. Each XXXX told me that they could submit my approval with a car and give me the final structure. Then I would get all kinds of emails stating that I had new inquiries. I never signed a credit form and never gave permission to anyone. I am attaching a copy of my preapproval.

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: PR

Complaint narrative:
THIS ACCOUNT OF XXXX MORTGAGE IS NOT MINE, I DISPUTED THIS ACCOUNT MANY TIMES AND DO NOT DELETED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Describe what happened so we can understand the issue ... 

Equifax has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following XXXX accounts were not properly investigated by Equifax and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Equifax should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The issue is that Equifax, XXXX, and XXXX have not removed information off of my report that does n't belong to me. I started this process with them in XX/XX/XXXX and it is XX/XX/XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.

Company response to consumer: Closed with explanation