vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Equifax regarding XXXX XXXX XXXX ( ACCT # XXXX ) and originally requested that the debt be validated. There response was received after 30 days on XX/XX/XXXX stating " This creditor has verified to OUR company that the balance is being reported correctly ''. I submitted my dispute online after receiving this as requested another investigation disputing the date of the first delinquency. On XX/XX/XXXX, after my own investigation with XXXX XXXX XXXX, and the City of XXXX where the home was purchased, I informed Equifax that XXXX under the Fair Credit Reporting act misrepresented the debt owed as my last payment to XXXX XXXX XXXX was XX/XX/XXXX and my first delinquency was in XX/XX/XXXX. The debt was never brought current or paid on after XX/XX/XXXX to XXXX XXXX XXXX or any creditor. According to the Fair Debt Collection Practices act ( [ 15 USC 1692e ] ; 807 ) XXXX XXXX XXXX can not legally make false representation of " the character, amount, or legal status of any debt ''. They are in violation of this act 1 ) the statue of limitation is in Virginia is 5 years from the date of the first delinquency ; and 2 ) they continue to inaccurately report the first delinquency date so they can continue to continue report it on my file and try to collect on the zombie debt. In addition, the original creditor ( XXXX XXXX XXXX ) shows that the first date of delinquency was XX/XX/XXXX on my Equifax credit report. I have tried XXXX via online and writing to request that Equifax report this information to no avail. I have also being writing to XXXX XXXX XXXX via telephone and by mail about the debt since discovering it on my report in XX/XX/XXXX. They have responded to my correspondence and phone call with " we received your request and our research department is looking into your inquiry. Equifax is violating the Fair Credit Reporting act as is XXXX XXXX XXXX and XXXX XXXX XXXX is violation the Fair Debt Collection Practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a XXXX page ( XXXX sided ) response to a dispute - and have not received an updated Credit Report, as mandated, and this is the XXXX time in 2015, where this has occurred. Instead, I got a dispute result document - which is attached, As previously communicated in the disputes made through this portal, all communications from Equifax are expected to be through US Mail only, as I have not granted permission to view or receive these responses online. 

Attached is the letter generated on XXXX XXXX, 2015 deleting the contested XXXX account. 

Please share any updated report.

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

Complaint narrative:
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new one or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? Previously XXXX wanted {$900.00} - it feels like I am being held hostage to some outrageous unknown extortionist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have the same XXXX loans appearing as duplicates on my credit report. XXXX XXXX and then XXXX XXXX. XXXX XXXX report d these loans as late XX/XX/XXXX. Assigned my loans to XXXX and they too reported the same loans on XXXX/XXXXThese are the same XXXX loans same dates I was granted them. Same amounts. Same late dates. But rather than have the XXXX loans reflecting I have duplicates and they are XXXX items. The amounts of the loans are XXXX and XXXX. Just because they were later handled by XXXX does n't mean I have to have them duplicated. I need the duplicates deleted because this is an untrue reflection as each appears as a XXXX account I defaulted on when it should only be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has again allowed a reinsertion of a collections regarding XXXX XXXX as shown on my Equifax report by XXXX XXXX XXXX . They also will not allow me to dispute that my XXXX student loans have been XXXX as of XXXX/XXXX/2016 and no longer owe the amounts stated. I attempted to notify them that the student loan service agencies will notify them at the end of the month. They will not even allow me to report that I have had XXXX XXXX for 1.5 years and it still is not listed as a positive account on my credit bureau report. I do not have my supporting document scanned to be uploaded and I am very protective as I have been a victim of identity theft and do not wish the document to be abused!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed the validity and the account status of a XXXX XXXX account several times with XXXX, Equifax and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Equifax completed an inadequate investigation and only sent me a result that stated account verified/closed, charge off. They did not VALIDATE the account was mine. They could not provide an open date or payment history ( both of which I requested ), account info, nothing! Also, Equifax still reports the account open. Even though the account closed XX/XX/2009 and Equifax 's own investigative results determined that the account was closed, yet they still report as " open '' status with XXXX missed payments. Factually inaccurate reporting and inaccurate investigation. The same can be said for XXXX. I filed XXXX separate disputes with XXXX regarding this XXXX XXXX account, and I have yet to receive any type of correspondence from them. I have obtained new credit reports from each of the mentioned bureaus as recently as XXXX XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that XXXX and Equifax have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently there was a problem were inquiries were removed then added again. Some of mine were deleted then added again when I looked at my XXXX XXXX account. Please have them delete these.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax received my certified letter on XXXX XXXX, 2016. My correspondence requested Equifax to provide a physical verification of the original contract signed consumer contract, which is required by Federal Law according to the FCRA 609 ( A ) ( 1 ) ( A ), Equifax is required to provide these documents before accounts can be posted on my credit report. Equifax still has not responded to my communication. Since Equifax was unable to verify my account I am demanding that report information regarding XXXX Child Support be removed off my credit report immediately as Equifax is in violation of the law and are reporting this information incorrectly. If Equifax does not remove these items from my credit report I will continue to file a small claims action against Equifax and XXXX XXXX for damages of {$5000.00} for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
The tracking number for the request that was sent certified mail is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: CA

Complaint narrative:
" I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was the victim of identity theft. The credit agencies are refusing to remove or block inaccurate data as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The name being used to identify me is incorrect. I do not have a middle name or initial. 
I have NO accounts with this initial, my birth certificate will confirm my claim. This is the 5th time I have submitted a claim for this incorrect listing of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Wrong address.

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: TX

Complaint narrative:
This issue is about a notorious ( but very common ) flaw, which has been made by Equifax for years ; the merging credit information from various different persons to a single person. 

An year ago ( or a couple of years ago ), a person living in XXXX emailed to me about " id theft '' issue. His SSN is one-digit different from mine and his name is also similar with mine. 

He checked his credit to apply for a morgage loan and found many activies, not related to him. Some of them were actually mine. I also realized such issue that time, since I was buying a car. Currently, I have XXXX credit info and he ( living in XXXX ) has all information of mine. And this flaw only belongs to Equifax. XXXX and XXXX do not make this flaw. 

And, it is also notorious that fixing Equifax 's fault is very hard. Someone needs to buy an attorney to fix their faults. I have been hard even to contact with them. 

I think you are already familiar with this issue. I can find many similar cases by a couple of minute 's googling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously disputed these items with the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify. 
equifax mortgage service XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After a divorce, I was granted Innocent Spouse status from the IRS, and was separated from my ex-husband 's many tax liens. I saw liens back on my credit report ( my name is still on my ex 's house ), and I disputed XXXX times, providing documents showing my release from those liens from XXXX XXXX, the State of Ohio, and the IRS. Equifax apparently does n't accept proof from all taxing agencies that I am released from those liens, because after XXXX disputes, I keep getting the same response - " we have determined that these liens are yours ''. These liens are negatively affecting my credit score, and the other credit bureaus have not had a problem correcting this error. I need help getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an XXXX with XXXX properties in XXXX FL. XX/XX/XXXX I received a bill for {$28.00}, which I immediately paid via online banking on XXXX/XXXX/XXXX. In checking my credit report XX/XX/XXXX/XX/XX/XXXX, I found an unknown charge from a company for {$36.00}. In calling the company, they advised me that they were contracted by XXXX XXXX. I called XXXX XXXX, as I knew I had paid them. It was at this time that they advised me that they received my payment XX/XX/XXXX, but they did not know where to apply it. Please note, I only have XXXX accounts with them in XXXX FL. When I asked them why they did n't bother to phone, they did not have an answer. They told me that I would have to deal with the Collection Company. I called back. I explained the entire situation. I heard nothing back, so I checked my Credit Report again and the {$28.00} was credited, leaving a balance of {$7.00}. I called back to the Collection Company. I spoke with XXXX on XXXX/XXXX/XXXX, who informed me that they are contracted to do the final bill with XXXX XXXX. I asked her how I can pay the balance and have this removed off of my credit report due to the circumstances. She could not help me. I asked for someone " above her '' to call. On XXXX/XXXX/XXXX, XXXX XXXX, VP of Operations phoned. I went through the entire story again. I informed him that I DID NOT RECEIVE ANY NOTICES IN THE MAIL FROM THEM. He verified that the last mailing that was going to the same address as the previous XXXX was, in fact, returned to them. He refused to help me, so I asked to speak to someone above him. He informed me that " he is it. '' He said that the President of Operations does not speak to the public. He will not remove the account from my credit report, even though XXXX XXXX received the payment and did not bill me for the balance due. Neither XXXX XXXX or XXXX XXXX ever called me regarding the initial payment made in XXXX of XXXX or notices that were supposedly sent. This was verified by the account. I want the account removed immediately from my credit report, as XXXX XXXX dropped the ball and XXXX refuses to cooperate!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Due to receiving adverse action, I requested a credit report via XXXX mail from Equifax in XX/XX/2015. I never heard a response from the company or received my report in the mail.

Company response to consumer: Closed with non-monetary relief