vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.

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

Complaint narrative:
I noticed that Equifax is reporting court accounts that are not mine. I would like for them to investigate this information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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:
Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above '', then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year, I tried again and, once again, got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for " Equifax '', " Credit Report '', and " None of the above '' will yield thousands of complaints from other users for the same problem that I am having.

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

Complaint narrative:
My information has been compromised and I 'm just now getting copies of my credit report and all the HARD INQUIRIES ARE NOT MINE. THEY ARE FRAUDULENT AND I WANT THEM REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is a XXXX account in collections that I know nothing about. This is not my account. I disputed it, received a denial to remove it from Equifax. I then called Equifax and spoke with a person and I asked them what the phone number was, address, any info to connect it to the real me and they were unable/unwilling to offer any proof of connection of that account to me. They also have incorrect personal information, address, work info, and did NOT report a car loan that was paid in full, never late which helps my credit. This is Not Fair. They are corrupt. This is life altering information used against us and nothing we can do to make sure it 's accurate. Disputing does not work, talking to a human does not work. 

I do n't understand how this is Legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX accounts I found on my credit report. I have sent numerous letters since XXXX. XXXX out of XXXX accounts were removed. The other XXXX I have asked for hard proof of my signature to those accounts, or any validation in paper these accounts belong to me. And they can not come up with nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want Equifax to review the attached letters of proof of payment from XXXX XXXX XXXX. I paid the full balance off of the following accounts : XXXX XXXX XXXX and XXXX because, I want the accounts deleted from my credit report. The above accounts do not belong to me. The accounts are a result of identity theft. I am a victim of identity theft. 
The accounts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There was a hard inquiry from XXXX XXXX XXXX XXXX, KY XXXX XXXX on XX/XX/2017. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Review the attached letter to this complaint from United States Senator XXXX Office. I received a letter from Senator XXXX office regarding his representatives speaking with Equifax representatives in regards to accounts listed on my credit report that 's not mine and incorrect information. Equifax informed U.S. Senator XXXX representatives that, they will review the errors on my credit report and immediately delete and block the accounts from my credit report. They fraudulent and unauthorized accounts are still listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Account reporting with a a balance of {$560.00}, a minimum payment of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both XXXX and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would also like the remark " Consumer disputes this account information '' removed from XXXX and from XXXX " Consumer disputes after resolution '' I no longer dispute none of these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jason A Craig, PC
State: GA

Complaint narrative:
The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a dispute to Equifax in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as 30 days past due. after receiving my results from Equifax I called XXXX and they told me that they did NOT verify to Equifax anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that Equifax correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Satisfied Judgment Filed XXXX ; XXXX XXXX XXXX Cour ; Case or ID # XXXX ; Defendant XXXX ; Not mine wrong person ( My name is XXXX XXXX XXXX Amount ) {$630.00} ; Plaintif XXXX ( XXXX ) XXXX credit report changes each month with information not belonging me its gets Deleted then re-add UNIVERSITY XXXX ( Auto ) {$1300.00} UNIVERSITY XXXX $ XXXX ( other ) XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX BANK XXXX Opened Date XX/XX/XXXX NOT MINE, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX NOT MINE XXXX XXXX XXXX, XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MINE No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. I intend to sue Equifax if all these are not removed from my file, this clearly shows Equifax is reporting Wrong information and other people 's information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is negatively reporting a medical collection that does not belong to me. They have increased the amount and changed the location of the office but it 's still the same debt that was removed. XXXX is negatively reporting on my credit report with both Equifax and XXXX for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX. I do n't owe this debt I would like it removed from my credit report immediately. It should not have been reinserted in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX MORTAGE PUT A UNKNOWN INQIURE ON MY CREDIT REPORT AND HAS FAILED TO TRY TO REMOVED IT AND ITS NOT FAIR TO ME TO HAVE IT ON MY CREDIT REPORT HURTING MY SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My Equifax Credit File is currently split into XXXX different credit files. This has caused a number of major issues for me due to one of the files having hardly any account information on it at all. Thus showing I have a score below XXXX. I have requested on a number of occasions that my files be merged and I keep getting told they ca n't help me. I have frankly become so frustrated with Equifax and their Customer Service, that I have turned here to hopefully get some assistance in clearing this matter up and making my credit file with Equifax whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.

Company response to consumer: Closed with explanation