vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
please remove this information off my XXXX equifax and XXXX report address on my report do not belong to me and

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify 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 disputed. Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed a public record with Equifax on XXXX/XXXX/16. On XXXX/XXXX/16 I was emailed that the investigation was complete and was verified by the court. In my original dispute I included copies of the legal agreement stating that said public record would not be executed or rendered as long as payment was made per agreement. I included copies of payments. I still have 3 payments left but equifax says they verified it was satisfied via the court. I spoke with several court employees and the court website which stated they do n't do any verification with the credit agencies. XXXX removed this item due to it never being rendered or executed and inaccurate. Equifax has violated FCRA 611, 609, and 623. Equifax also has never marked this item in dispute on my credit file. I have filed a reinvestigation with Equifax again including the stay of execution order showing that this is not a valid judgement and needs to be removed from my credit file. Equifax has also refused to provide information about their verification with the courts. Please see attached public document stating in page XXXX paragraph XXXX that execution is stayed if payments are made as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has demonstrated an unwillingness to remove fraudulent credit accounts and all fraudulent charges associated with my identity. My identity was stolen in XXXX XXXX and I have been working diligently to have all fraudulent charges and accounts removed from my credit history/score since XXXX XXXX. This is a totally unacceptable result and sub-par business practice on Equifax 's behalf. I have repeatedly called and reached out to Equifax for assistance to have the fraudulent charges expunged but fraudulent charges are still reflected on my credit history as of XXXX/XXXX/XXXX. This appears to be a chronic consistent pattern of unsuccessful results with poor customer service and satisfaction. Nothing gets done on their end ( Equifax ), so nothing gets done .... Very negative experiences attempting to work with Equifax with poor communication. Customers can not submit requested documentation to XXXX fax numbers provided by Equifax. I have attempted to fax information back to Equifax since last week XXXX/XXXX/XXXX but have been unsuccessful. The errors being on the part of Equifax. The fax numbers provided are not working with busy signals and no connection. No immediate alternate option was provided to correspond with Equifax other than by regular mail. No email address was provided to submit documentation needed to assist immediate consumer issues. XXXX and XXXX have removed all fraudulent charges from my credit history but Equifax has not done so. This must be corrected at once. I respectfully request an immediate investigation into Equifax business practices. The ineptitude exhibited from Equifax in overwhelming and customers are suffering as a result of their indifference to perform the job. Please assist asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX XXXX HAS FAILED TO REMOVE INFORMATION OF XXXX XXXX XXXX ACCOUNT NUMBER XXXX AFTER SEVERAL ATTEMPTS BY XXXX XXXX XXXX TO HAVE THE INFORMATION REMOVED FROM MY CREDIT FILE STARTING ON XXXX XXXX XXXX XXXX XXXX XXXX SENT INFORMATION OVER TO EQUIFAX EXECUTIVE DISPUTE TEAM ASKING THEM TO REMOVE ALL DEROGORTORY INFORMATION FROM MY FILE UNDER THIS ACCOUNT NUMBER, ON XXXX XXXX OF XXXX XXXX XXXX XXXX SENT ANOTHER NOTICE TO EQUIFAX XXXX TO REMOVE THE INFORMATION AGAIN. PER MY CONVERSATION THAT TOOK PLACE WITH XXXX BACK IN XXXX OF XXXX SHE STATED THAT INFORMATION WILL STAY BECAUSE THE INFORMATION IS INDEED MINE AFTER I TOLD HER I DIDNT HAVE ANY KNOWLEDGE OF THE ACCOUNT NUMBER LISTED. A CUSTOMER SERVICE AGENT FOR THE BANK NOT AUTHORIZE TO MAKE A DECISION ON THE ACCOUNT XXXX BANKS TOOK THE WORD OF THAT CUSTOMER SERVICE REP AND REFUSED TO DO AN INVESTIGATION ON THE EXISTANCE OF THE ACCOUNT ON XXXX OF XXXX XXXX POLICE DEPARTMENT DID ANOTHER INVESTIGATION CITING THAT THE ACCOUNT WAS INDEED FRAUDULENT AFTER SPEAKING WITH UPPER MANAGEMENT OF XXXX XXXX XXXX. ON XXXX XXXX TOLD XXXX XXXX XXXX TO CEASE FROM REPORTING THE FRAUDULENT INFORMATION. ON XXXX XXXX XXXX XXXX XXXX AND XXXX LAW FIRM HIRED BY XXXX XXXX XXXX. STATING THAT RIGHTS UNDER THE FDCPA AND NCFDCPA HAD BEEN VIOLATED. AND XXXX XXXX XXXX ADVISE EQUIFAX AT THAT TIME TO REMOVE THE ACCOUNT FROM MY CREDIT FILE. ON XXXX XXXX OF XXXX XXXX XXXX XXXX COLLECTIONS DEPARTMENT MANAGERS ADVISE ME THAT THEY HAD ALREADY TOLD EQUIFAX BY ELECTRONIC SUBMISSION TO REMOVE THE INFORMATION FROM MY CREDIT FILE BACK ON XXXX XXXX. XXXX XXXX XXXX ALSO ADVISED ME ON XXXX XXXX XXXX AFTER DOING ANOTHER INVESTIGATION STATED THAT THE ACCOUNT WAS NOT REPORTING TO MY EQUIFAX CREDIT FILE. AS THEY PULLED MY CREDIT REPORT TO DO THE INVESTIGATION XXXX XXXX. ON XXXX XXXX XXXX I RECEIVED INVESTIGATION RESULTS FROM EQUIFAX STATING THAT THE ACCOUNT WAS CERTAINLY REPORTING TO MY CREDIT FILE. AFTER ANOTHER CONVERSATION WITH XXXX XXXX XXXX SHE STATED THAT THE INFORMATION WILL REMAIN ON MY FILE EVEN AFTER THE CREDITOR ASK HER AND EQUIFAX TO REMOVE THE INFORMATION IN QUESTION. ON XXXX XXXX XXXX XXXX XXXX XXXX SENT ME ANOTHER LETTER STATING THAT THEY HAD CHECKED MY CREDIT REPORT AND THE INFORMATION WAS NOT REPORTING. AND THAT THE INFORMATION SHOULD NOT BE REPORTING. THEY HAVE ASKED EQUIFAX ON SEVERAL OCCASIONS NOT TO REPORT THE ITEM. THIS CLEARLY SHOWS THAT INFORMATION IS BEING RE INSERTED BACK TO MY CREDIT FILE WITHOUT PROPER DOCUMENTATION BEING SENT WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an FHA Loan with XXXX XXXX, # XXXX. XXXX XXXX has reported that I have been more than 30 days late with agreed payment schedule. I have disputed this derogatory with XXXX XXXX as all of my records reflect payments current and on time. I addressed my concerns with documents showing the current/on time payments. The inaccuracy is on behalf of XXXX XXXX applying the payments " at will '' in their receiving account division, therefore reflecting negative on my credit profiles and straining my overall credit scores. XXXX XXXX has refused to investigate this matter further or review my account properly regardless of my payment documents proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage. 
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation. 
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work. 
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been denied housing and utilities based on a public record debt that was paid in full 2 years ago, but is not shown as such on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request for loan due to my credit report misplaced ether by some one using my name for his or her selfish ends, please help me to fish out this miscreant

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been asking Equifax to remove hard inquiries that are not mine due to fraud. I have even sent them numerous faxes and letters along with police reports. I have been told they were in the process of removing the inquiries. I have been checking and calling everyday for months only to find they still remain on my file. Equifax has just now finally added my bankruptcy that had been discharged since XXXX. They have the wrong info from that. I just do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is that Equifax Credit Bureau seems to have some personal issues when I am assessing their line for services that need to be corrected. I am tired of writing about the same things over and over. There are XXXX items that are totally incorrect. XXXX is XXXX credit which was reported long ago about their defective merchandise sold to me and I notified them several times and they did nothing. The second is XXXX, XXXX XXXX which was a secured card and you had to have money on it before you could use it. I believe I put at least XXXX on this card for my constant use as a credit card which is what it was as long as you had the money the account. Another is XXXX XXXX, a seller of damaged merchandise and not what was ordered. Told him also, and he ignored but could ask for payment. The other shows XXXX. There was a problem with them because when I would go to the line to make an affordable payment, they would not take it if it was not what they wanted. Called and was told same thing about what was due after I explained to them I need time to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over 30-days ago, I submitted a request to Equifax to remove an account off my Credit Report along with XXXX ( XXXX ) control number instructing them to remove it. It is currently still on my report even after disputing it. 

The XXXX Control number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an account that was opened fraudulantly. I have been disputing this several times and it has finally been proven that the macys account that was opened in my name was due to identity theft. However XXXX and equifax will not remove it from my report. I keep calling on this and keep being told it is under investigation. I spend hours and days on this calling XXXX and equifax and just keep being told it 's under investigation. I explained to both of them that transunion has finally removed it but was told these credit reporting agency 's do not work together. That makes no sense to me because I just received a letter from experian informing me that I have been a victim of identity theft and they were notified from the other credit beaurous and they are putting a 7 year fraud victim alert on my report. My question is if I am being told they do not communicate then why did I receive this letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a public record judgement on my Equifax report. It was paid and should be removed. The other XXXX bureaus have already removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I try to get information from XXXX to prove that I left to XXXX before hand, but the company was not cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
One of my accounts ( XXXX ) is not showing on my Equifax credit file. I spoke with several XXXX agents in their credit reporting department and they assured me that they are sending the same information to all 3 credit bureaus. My account is showing on XXXX but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'm tried so hard to bult my credit score by having small credit card paid on time, had a bancruptcy 7 years ago and have car that I 'm paying on time never late on my bills, unfortunately I ca n't get a major credit cards because I guess I 'm XXXX or my location I lived in XXXX XXXX area people like me will get denied constantly. This situation need attention cause I have XXXX friend who bad credit than are able to get credit or a loan ..I do not understand someone need to explain to me why I 'm getting turned down by the credit bureau??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reports showing XXXX California residing address. Address is unknown? I 've reside in Florida the past 30 plus years. Please advise what I need to do to correct issue. Everything else looks okay. Both Equifax and XXXX showing California address. Thank you.

Company response to consumer: Closed with explanation