vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have filed several complaint about the collection agency XXXX, Address XXXX, XXXX XXXX, XXXX, SC, XXXX. Amount of debt is {$3500.00}. 
Equifax has not removed this account even though I have disputed this account several times. XXXX has removed it, but Equifax has refused to remove account. 
The account # listed to Equifax is XXXX to XXXX amount owed {$3500.00}

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

Complaint narrative:
I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have nothing to do with XXXX and i never worked at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
the address in MI ... I 've NEVER lived in that state

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
i have credit card with XXXX XXXX all ready so some one else use my identity applying for credit card to XXXX XXXX about 3 or 4 times so i all ready have credit card with them ther is no reson to applying again and again so the report i find out on my credit report is not mine this report i find out on EQUIFAX CREDIT REPORT

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

Complaint narrative:
I contacted EQUIFAX last month to have this account removed from my credit report as I already paid it off. I received an email back from them shortly after stating that debt was valid and it belonged to me ( which I was never disputing ) all I asked was that it be removed as I paid if in full already. I call EQUIFAX back today XX/XX/XXXX and asked why have n't the item been removed from my credit report yet? The guy was VERY rude and unprofessional. Instead of answering my questions he remained silent on the line for almost 3mins before hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Two months ago, when I checked my credit report, I realized Equifax report was wrong, my credit score with the other bureau was XXXX and Equifax was reporting XXXX, so I contacted them via fax and USPS registered post. 4 weeks later XXXX XXXX, 2016 I received their replay and they confirmed that the report was amended ( copy attached ). But the report was wrong again, I contacted them immediately via fax and USPS post and this time I attached XXXX XXXX Court Order Dismissal and Case closed order Case # XXXX XXXX XXXX 2016 ( Defendant Motion to Dismiss GRANTED - CASE IS CLOSED ), I received their reply XXXX XXXX 2016 Ref : XXXX / No historical account info was deleted and still reporting XXXX missed payments and status FORECLOSURE Pending!!! 
There is no Foreclosure order or pending court order for this property, lender is lying. 
Equifax ignored XXXX Court Ordder and continue reporting our property FORECLOSURE status. My credit card application with XXXX XXXX was declined because of their mistakes ( see attached letter from XXXX XXXX Bank ) I can not no longer continue arguing with these people, can you please help me to resolve this matter amicably before I take legal action against Equifax. 
Thank you and Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I closed an account with XXXX in XX/XX/XXXX, and did n't realize I had an outstanding balance. In XX/XX/XXXX I pulled my credit to check up on it and discovered the XXXX balance was put into collections and on my credit report. I immediately called XXXX and paid off the full amount of the balance on XX/XX/XXXX. 

The Balance fell off my XXXX and XXXX credit reports within 30 days, but still showed on Equifax. Since then I have disputed it at least a half dozen times. Contacted the collection agency XXXX used, XXXX, and they assured me they reported it to Equifax that the balance should be {$XXXX}. But each time the dispute comes back as a verified balance. 

On XX/XX/XXXX I spoke with a compliance officer at XXXX and she sent me a verification letter to send to Equifax to prove there is no longer a balance on the account. I submitted another dispute and attached the letter. On XX/XX/XXXX I got the results back from the latest dispute, that dispite the letter, Equifax claims they confirmed with XXXX that there is still an outstanding balance. 

I called XXXX after getting back the results, and spoke with the compliance department once more. They stated they never got an inquiry from Equifax to verify the letter and balance on the account. 

Equifax is clearly not properly investigating this account on my credit report.

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

Complaint narrative:
Please note the reason I am filing this dispute with your agency is because I was unable to locate an option to report the following issue on Equifax 's on-line dispute website. In connection with the possibility of financing a vehicle through my financial institution, the Bank ran a credit report through Equifax on XXXX/XXXX/XXXX. The report reflected a score of XXXX, with reasons stated for such score as : ( 1 ) level of delinquency on accounts, and ( 2 ) too many consumer finance company accounts. Due to this low score, the interest rate I had been quoted before the report results and after the report results was much higher. Needless to say, I was devastated and in complete disbelief as to how my score had dropped approximately XXXX points. My credit score has always been in the XXXX range. I have the upmost integrity in paying my bills timely and take pride in having exceptional credit. The retail company accounts on my credit history have been closed for years with the exception of XXXX credit card I keep open. I understand from my bank that there have been no credit inquiries since XXXX. I obtained my annual credit reports and scores in XXXX, XXXX at which time my score was XXXX. I do not understand why my score has dropped to the XXXX 's since XXXX of XXXX. I adamantly dispute such reporting by Equifax. I am requesting Equifax remove the negative comments it placed on my credit history and reinstate my credit score to a minimum XXXX immediately. Thank you for your assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
We have been unable to obtain a monthly mortgage statement from Seterus for over 2 years. We are presently in a financial hardship due to XXXX and any assistance programs require a statement. We have contacted Seterus numerous times by phone to request a statement by mail, fax, email, Fed Ex, or whatever possible means. They state they have submitted the request, but nothing happens. They have blamed the XXXX Postal Service, but we have lived in our home 20 years and receive plenty of mail. We have received other documents from Seterus such as tax documents or notices sent by certified mail. They are completely incompetent. I just want a statement as is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my XXXX report and noticed that Equifax had some negative reportinging on my credit file. I wrote Equifax a letter and asked them for verifacation of the accounts and they never responded, that was in XXXX. They did not respond until XXXX I had to send another letter to get them to respond. Since they were well past the 30 day response time which is stated in the FCRA they had to delete all of the accounts that were in the original letter but thet did not. I have sent them additional certified lletters with affidavids to no avail, they just continue breaking the FCRA. Please make them adhere to the federal law and delete the accounts that I disputed in XXXX. Please see all of the documents that I have sent Equifax. They are not above the law! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX dba XXXX XXXX place a judgment on my credit. i have ask the company for 2 years to removed off my credit because it does not belong to me. after futher research i found out that the judgment belong to someone with the same name as mine but with diffent SSN, DOB and DRIVER LIC number. So i call the attorneys for XXXX XXXX XXXX XXXX and explain everything and they exknowlegde the fact that i was not the person that they thought i was. So they sent me a letter stating that XXXX XXXX IS NOT THE DEBTOR IN THE ABOVE CASE THAT WAS FILED WITH THE CREDIT COMPANY.So i sent the letter to Equifax and three times and started a investigation 3 times and they keep writing me back saying!!!!! item verified and will not remove. i have place three calls to Equifax and they still will not remove.I have a letter from the Attorneys that repersent Senteniel Real Estate that states XXXX XXXX is not the person in Question, also thats filed with the XXXX County Records Clerks office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX XXXX, in XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XXXX XXXX, 1954, not in XXXX XXXX, 1954, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for XXXX years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX or in XXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am not going to ask Equifax again to leave my credit score alone. Since XXXX/XXXX/2015, they have deducted XXXX more points off of my credit. The only change to my credit was on XXXX XXXX, 2015, I paid XXXX XXXX XXXX and XXXX in full. Yes, both of those accounts has been XXXX. I do n't know why Equifax is ruining my credit, or who is telling these people to ruin my credit, someone is behind all of this and they will be going to jail when the truth comes out concerning the XXXX XXXX XXXX. I guess they are the ones behind ruining my credit in order for me not to qualify for an FHA Loan, however, I have contacted the State Attorney Generals Office, and I have left message for the XXXX Attorney General XXXX XXXX in order to resolve this problem. Equifax is delibertly ruining my credit due to the XXXX. If these people dont stop, I will find there physical location and I will go there and handle my business myself. These people has deducted XXXX points off of my credit in less than a month, for no other reason other than I filed a complaint against them for discrimination. The deducted XXXX more points off of my credit yesterday. If, someone from this Consumer Finance Office does not tell Equifax to leave my credit alone, and place my XXXX points back on my credit score, I am going to Equifax XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have paid many accounts that are not being reflected on my credit report. my score is not reflecting the positive hard work i have put into my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also an account with XXXX XXXX which is unknown to me. There are several mistakes listed. Can someone please help

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

Complaint narrative:
Equifax said : Explanation of closure I have a confirmation from Equifax " please see below " From XXXX XXXX 2016, however, this item still not reporting on my Equifax credit report. 
" Equifax has reviewed your complaint and its records regarding your dispute. XXXX XXXX should begin appearing on the credit file within the next 60 days. Written confirmation has been sent to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was open by someone that used my ID to open it. I filed a complaint with Equifax on the phone the first time last year. Then online and now in writing last month. Equifax sent me a letter telling me that they had verified that this item belongs to me. I call and asked how it was verified and was told " The bank told them it was mine '' It is not and I can not get the bank or Equifax to show me anything that profess that I opened or used this account. I do not think that the bank just telling Equifax that it belongs to me is verifying that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Filed a dispute with the XXXX credit agencies ( XXXX, Equifax and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX Account was transferred to a new owner of a business I sold in XX/XX/XXXX. She notified XXXX of the change in ownership and submitted the necessary paperwork to take responsibility for the account when the account was in good standing. She later ( in XX/XX/XXXX ) declared bankruptcy and had a negative balance on the account, and XXXX is pursuing me to get the negative balance of $ XXXX repaid rather than pursuing her in bankruptcy court. I have provided documentation on the business sale, a tax form from XXXX which does not indicate any connection to me or my social security number ( I have no relationship to XXXX ), the letter I sent to the collection agency and XXXX, and an email from the actual owner taking full responsibility for the account and stating that she transmitted all necessary documentation to XXXX to transfer the account.

Company response to consumer: Closed with explanation