vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 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 disputed a XXXX account three times ( XXXX, XXXX, XXXX ) with Equifax. I have included a letter from XXXX stating that this is not my account. I have included the police report I filed to report the fraud.. XXXX took the XXXX account off my credit right away. Equifax has for the third time " verified '' that this is my account. It is NOT my account and I have given them the documents to prove this is the case. This has caused me financial hardship! Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/2015. I opened a dispute with Equifax due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Equifax is legally required to conduct a " reasonable investigation '' of this matter. 5 days later on XXXX/XXXX/2015 Equifax " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Equifax did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Equifax to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

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 was used to verify the accounts I disputed. 
Since they have gone past the 30 day mark and can'nt 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 have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed that I had a split file with Equifax. I contacted them and had the files merged together, but there were XXXX accounts reporting that had previously been deleted. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I called and requested to have the accounts deleted and was told no! I notified Equifax in XX/XX/XXXX that I had been a victim of identity theft and provided them with the police report and all requested information. They were prompt in correcting my reports then. Later, in XX/XX/XXXX I suffered a split file on two ( 2 ) separate occasions. Both times Equifax stepped up and fixed it quickly removing all previously deleted items and restoring my good name. However, there seems to have been a lapse in handling. It is n't my fault that I have a split file and it never happens with any other credit reporting agency. I 'm simply requesting that Equifax delete the previously deleted files from my credit report immediately. The accounts are : XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$6300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREEDXXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$830.00} n/a $ XXXX XXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XXXX i settle an account with mariner finance the account was marked closed on XXXX. I received an email from XXXX XXXX XXXX Branch Manager stating that XXXX will report this account to the courts and the credit bureau as settle in full not account paid for less full balance i have attached the documents i received from XXXX and a copy of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
remove the judgement from my acct it has been vacated enclosed is a copy of the judges order

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a hard inquiry on my credit report that I did not initiate or contact the company about and need to it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed XXXX reporting XXXX accounts on my Equifax credit report. It has been verified that these items are accurate. XXXX XXXX XXXX is in violation of federal and state law for inaccurate reporting. Both accounts with XXXX XXXX XXXX were marked 120 days past due in the payment history which is impossible because they are a collection agency not an original creditor it is also reporting as a factoring company which is impossible as well because factoring companies only by open debts not charged off accounts. Due to their unlawful credit reporting they have jeopardized the integrity of my credit history by causing my delinquency to appear more recent and the debt is over 4 years old. Please remove this inaccurately reported items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to remove negative marks from my credit report. Equifax has given me the hardest time. I had a tax lien with the State of Ohio. It is over XXXX years old and it has been released. It should be removed but it has not been. I feel that this is an unfair practice and should be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.

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: TX

Complaint narrative:
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax credit reporting agency is reporting inaccurate information on my credit report. 
The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.

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: CA

Complaint narrative:
Incoorect information is on my credit report and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Equifax for erroneous information being furnished on my credit file by Equifax. I disputed the following erroneous items.. XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX . I called Equifax on XX/XX/XXXX, 31 days after those items were place in dispute to check the status. I was told by a Customer Service Rep and by a Customer Service Supervisor name XXXX that the disputed items came back verified. I was never notified of the decision. I ask XXXX what was the method of verification, he refused to give me that information so I ask to escalate call to CEO XXXX office. I was then transferred to The Office of Consumer Affairs and spoke to XXXX. I asked XXXX what was the method of verification, she replied that we only verify electronically. Electronically is not sufficient verification when it comes to something as critically important and delicate as my credit file. Information that can decide whether are I can have a shelter, food, job etc. If Equifax is going to report anything on me, I should be verified with hard evidence that the information belongs to me. I asked XXXX to send me information that was verified and the method that was used and she refused. She demanded that I contact the creditor because that whose responsible. That is not true. It is the Credit Bureau that is placing this on my bureau without proper verification. Under the FACTA ACT, the credit bureau must provide all information verified, who verified, when verified. I also want to see hard evidence that this information is accurate and belongs to me ( ie ) driver 's license, signature, ss card etc. I am requesting all negative information on my file show that the items were verified before granting credit and what method was used before giving my credit information out and methods used to verify that those items are my items. Failure to furnish this will result in my filing a lawsuit immediately in XXXX County Courts under willful non-compliance under section FCRA 616. Let this complaint also serve as my intent to sue Equifax if these erroneos items are not removed from my credit file immediately. XXXX was advised that my intent to name each board member in a separate suit until this information in corrected. She was rude and hung up on me and I demand that this is escalated to CEO XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
all credit agencies reporting id fraud account that not mines .... '' child support and XXXX '' ..and outdated reporting infor since 2000 over 16yrs old and continue to refresh data/ date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax credit bureau is reporting " XXXX '' twice on my report, the account is the same, different dates only. 
I have notified " XXXX '' and Equifax, no response about my double listing, very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit Protection XXXX Unknown and outdated

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: TX

Complaint narrative:
Equifax fail to delete wrong information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Chapter XXXX bankruptcy filed on filed in XXXX, discharged XXXX. XXXX XXXX XXXX continues to report the balance, a past due amount and a monthly payment on my Equifax credit report. I disputed the balance multiple times over the past 6 months with no success. Tried contacting XXXX XXXX XXXX and transferred from number to number until complete circle occurs. Main number XXXX -- & gt ; bankruptcy department @ XXXX or XXXX -- & gt ; " card services '' XXXX -- & gt ; back to bankruptcy department. I was supposed to close on a home today but the lender has informed me that closing can not occur until the negative information has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection company has stated they have asked all Credit reporting agencies to remove the debt, but it is still being reflected on Equifax. See below quoted text from XXXX XXXX. 
" Company responded - XXXX XXXX XXXX said : Explanation of closure XXXX # XXXX - To Whom It May Concern : XXXX XXXX XXXX sent a second request to the CRA 's to delete the account from XXXX XXXX 's credit history ''

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 — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.

Company response to consumer: Closed with explanation