vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per XXXX of the govt sites i 've been to. thank you for taking the time to hear me go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )

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

Complaint narrative:
I have sent Equifax XXXX separate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccurately, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Equifax claims to have " verified with creditor '' and I believe this to be false. How can Equifax verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Equifax to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you*** Attached is my credit report & returned mail for XXXX XXXX . On the last page of my credit report you will see the address published and on the returned letter you will see the same address***

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I have previously submitted a dispute on XXXX XXXX 2016 and XXXX XXXX, 2016 requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process XXXX account was verified and still displays information which is incomplete. 
The following is a list of inaccurate, incomplete information contained in the reporting of 1. XXXX Account was opened on XXXX/XXXX/XXXXhowever there is no payment history prior toXXXX/XXXX. 
2. Balance amount and high credit amount are conflicting XXXX XXXX reporting is incomplete and inaccurate infromation. Enclosed with is dispute is a copy of my driver 's license, a copy of the reporting, documentation of the certified letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I gave Equifax online dispute site the information required. they asked XXXX questions of which I checked " none of the above " to all as nothing applied to me. then they wanted me to fax a copy of my drivers license, I have n't had XXXX in 20 years and do not ever plan on getting XXXX. I have had some issues with identity theft in the past, but was caught before any damage occurred, by my bank. So I do n't know how to deal with this item that say 's it 's a " Legal Issue ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
While checking my credit report I found an entry from a " XXXX XXXX & XXXX ''. on my credit report. On XXXX, I sent a certified letter requesting validation. I have NOT received a valid response. In a letter dated XXXX, I disputed this entry with Equifax. Equifax replied in a letter dated XXXX, that they had " Verified '' thee above entry.

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: FL

Complaint narrative:
On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine

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

Complaint narrative:
equifax has incorrect information on my credit report i have tried to dispute it on line XXXX times it has let me go all the way through the whole dispute process and when i submit it it says online dispute is unavailable and gives me an online dispute form to submit i fill it out and submit the dispute form and equifax never acknowledges it. I also fax from XXXX a dispute and they never acknowledge it. i have been a victim of identity theft and possibly a merged file. They have a XXXX XXXX account on there that does not belong to me, i have disputed it on XXXX occasions with an FTC report, There is also incorrect dates from XXXX i did not even have a bill with them until XX/XX/XXXX, i have never paid them late. they have late payments from XX/XX/XXXX i didnt have a DTE account in XXXX i called XXXX they said they dont show ANY late payments. i have asked for verification have not received it. I am no longer an authorized user on the XXXX XXXX. That relationship was terminated months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 
Equifax has already placed a Fraud XXXX alert on the other XXXX CRAs, so you do not need to do this again ... Let 's be intelligent here. I want you to review the attached documentation and REMOVE/DELETE this entry asap ... I am on the verge of making sure the AG fines your establishment for years of extortion. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Received credit report dated XXXX XXXX, 2017, Confirmation # XXXX which is currently correct. Information and score submitted to XXXX XXXX by Equifax is incorrect : Equifax reinstated XXXX XXXX as well as incorrect score of XXXX. Equifax subsequently stated that they can not change a credit score? Is that to say they WILL NOT correct their errors? ANY company that produces incorrect information, regardless of model used, should have the means to correct it. As of today the information is still incorrect. Screen print provided. Additionally, I logged into my Equifax account and all they provided without charge was that XXXX was the average score for my zip code. Otherwise, it was selling as usual ( screenshots attached ). 

So, I also request and grant permission to CFPB to actually pull my current credit report and score to have them on file in conjunction with any fine that should be imposed as well as additional evidence to support my subsequent lawsuit claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Explained to Equifax information was incorrect on my credit report. The original creditor claims they were never contacted about the dispute. I believe they are just passing the buck and not verifying complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get Equifax and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Scott and Goldman, Inc.
State: CA

Complaint narrative:
This debt is over 8 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report had a XXXX XXXX charged off account. The account was charged off in XX/XX/XXXX. XXXX Account # XXXX. This account was sold to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX, Equifax automatically deleted the XXXX account off my report as it too old to report. However, XXXX did n't delete the XXXX XXXX account which is based on XXXX XXXX, the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I worked for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX XXXX in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XX/XX/XXXX/XX/XX/XXXX almost the same dates as I worked for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 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:
This dispute is against Equifax. When trying to refinance my mortgage I discovered I have no credit files, no credit score and my date of birth was changed from XX/XX/XXXX too XX/XX/XXXX. I immediately put a fraud alert on my credit files. Equifax has done nothing to correct these issues. They only corrected my date of birth. This would seem to be an easy fix but it has been a nightmare. Equifax needs to correct this now as I can not refinance my high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to provide me with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delinquency reporting error. 
I want all the Credit Bureau to update my payment paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

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

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: AL

Complaint narrative:
I have previously been a victim of identity theft. I have fraud alerts set up with each credit bureau. I recently noticed a new collection on my credit report, I previously had none. I immediately disputed this, and it was deleted off my credit report on XX/XX/2016. Recently equifax reinserted this info on my report, and this is not my debt. It is for a bill that originated in XXXX, AL. I 've NEVER lived in XXXX, AL. This is a violation of the FCRA.The Fair Credit Reporting Act states in 611 ( A ) ( 5 ) ( B ) ( ii ) credit bureaus must notify you in writing in 5 days before they reinsert the past deleted item. I did n't receive any notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Wow i am at lost for words ... .. and I am sorry to bother you once again in regard to Equifax Credit Bureau XXXX I am a victim of Identity theft and i have supplied Equifax with a certified police report about 2 years that list 2 accounts that were manufactured in my name as well as an address that i was not familiar with. 

The accounts were removed as well as the address but up until about 6 months ago they were RE-INSERTED to my credit. I have reached out to Equifax in this regard but it is no use .... the fraudulent entries remain on my credit. Equifax is the only bureau reporting the Fraud and once again XXXX # XXXX and XXXX # XXXX were removed and RE- INSERTED TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this issue numerous times about XXXX account from 2009 and that it states charge off and does not show the amount charged off and creditors think this is a repossession of a vehicle and its not. I called XXXX XXXX XXXX and they said that it is the credit bureau they use same code name for repossessions even though its not. I think this needs to be corrected because I have been denied credit numerous times because dealerships think it is a repo on my credit report. This is unfair practice of credit reporting and will result in legal action if not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Creditor Pressler & Pressler obtained judgment against me by serving papers to my foreclosed property while i had been homeless. I never received information on court date or subsequent judgement. I reached out to the company after notified by former family member that a notice was mailed to his address about wage garnishment. I verbally requested verification of the debt, and provided my current mailing address for corespondence. I also attempted to make payment arrangements of which i was told i would receive a call the next day which did not occur. The only communication i received was notices for intent of wage garnishment at the new address i provided but they never verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation