vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
THIS IS NOT A REQUEST NO PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY CREDIT FILE. DOING SO WILL RESULT IN A LAWSUIT AS YOU WILL BE OVER STEPPING YOUR RIGHTS AS A CREDIT BUREAU. 

EQUIFAX IS IS LISTING AN ACCOUNT AGAINST ME XXXX THAT DOES NOT MEET THE FCRA GUIDELINES. I HAVE ASKED EQUIFAX TO PROVIDE ME THE ORIGINAL SOURCE DOCUMENT FROM THIS CREDITOR AND THEY HAVE BEEN UNABLE TO DO SO. THEY TELL ME TO CONTACT THEM, WHICH BY LAW IS NOT MY RESPONSIBILITY PER SECTION XXXX OF THE FCRA. I AM NOT THE XXXX LISTING THE INFO SO EQUIFAX IS TO EITHER SUPPLY ME WITH THE ORIGINAL SOURCE DOCUMENT OR REMOVE THE ITEM ENTIRELY. I HAVE ASKED THEM ON XXXX SEPARATE OCCASIONS TO DO SO AND THEY REFUSE. THEY ARE BREAKING THE LAW BY SIMPLY STATING THAT THEY HAVE VERIFIED THIS. THEY KEEP SAYING THEY ARE REINVESTIGATING BUT NEVER CAN PROVIDE PHYSICAL DOCUMENTATION THAT THIS ACCOUNT IS ACCURATE, COMPLETE AND VERIFIABLE OR EVEN MINE FOR THAT MATTER. INSTEAD THEY WANT TO PLAY GAMES WITH MY FILE. YOU HAVE 30 DAYS TO REMOVE THIS ITEM AS IT HAVE BEEN WELL OVER 4 MONTHS NOW OF ME CHALLENGING THIS AND YOU NOT BEING ABLE TO PROVE YOUR POSITION TO REPORT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include 'Serious Delinquency. ' This has been reported to XXXX different financial institutions this year. After each time I have tried contact Eqifax by phone with no luck. On XX/XX/2016 I wrote a letter to Equifax and included a copy of the adverse factors I received from the XXXX institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get Equifax to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... NEVER LATE. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During late XXXX and early XXXX 2015, I initiated XXXX different new auto loans with XXXX XXXX XXXX XXXX. The reason for the XXXX different loans was because I had the dealer re-write the loans to take advantage of discounts being offered. The final loan and the only valid loan was for the amount of {$32000.00} and was the only loan that should have lingered as " open '' on my credit report. I have been making payments on this loan and the current balance is much less. 
Meanwhile, the XXXX of the XXXX loans in the amount of {$34.00} continues to linger on my credit report and is reflected as " open ''. This amount is added together with the XXXX loan, which is valid, and added to the total amount I owe at the beginning of my credit report. 
I have contacted XXXX XXXX several times about this. Each time I am informed to wait another month for the matter to be resolved. I first reported this problem in XXXX so I have now waited 3 months. 
This is not only incorrect, but I am hampered from obtaining additional credit, because my total of monthly payments on XXXX open auto loans exceeds my income to monthly payment ratio. Also, since this is reflected on all XXXX credit reports, it appears to be a problem with XXXX XXXX reporting to the credit bureaus.. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
California issued a tax lien in XXXX XXXX related to taxes I had paid in full. Upon an investigation at my request, CA FTB acknowledged the error and released the lien in XXXX XXXX, but unfortunately CA only issued a standard lien release, which is now on my credit report. Following a discussion with CA FTB explaining the error ( in preparation for applying for a mortgage this year ), the lien was released as a Lien Release Notice - Lien Recorded in Error, in XXXX XXXX. 

Equifax is the only CRA who has not deleted the public record despite my disputing the public record twice since the Lien Recorded in Error was recorded in XXXX County and providing documentation. I have also followed up with no less than 3 calls with Equifax. Based on the dispute outcome and the calls, I suspect Equifax did not investigate the claim at all. Not only did I provide a copy of the Lien Release Notice- Lien Recorded in Error, but on that same notice California provides a phone number specifically for Credit Bureaus. In addition, all evidence of the original lien, original lien release, and lien recorded in error are all readily available online in a search that would take no more than 2-3 minutes. Even the most perfunctory investigation would have resulted in the removal of the public record from my credit report. 

I am reaching out through the CFPB site in the hope that Equifax may actually review the materials attached and conduct a proper investigation. I am enclosing a package that includes, among other items, ( i ) a cover letter, ( ii ) the original lien - certified, ( iii ) the original lien release - certified, and ( iv ) the lien release notice - lien filed in error - certified. 

The link between the lien filed in error and the other documents is made clear through bearing the same certificate number, original case number ( Doc No. Book No XXXX ), and original case date. 

I would hope that these certified copies from XXXX County will be more than sufficient to remove all public notices related to the original lien or lien release from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). 
According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have asked and contacted Equifax Several times about the erroneous information on my credit Record. XXXX XXXX XXXX XXXX and XXXX XXXX, never did business with XXXX . There 's no Written nor copy of any information supplied to any of the above collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has violated the terms of FCRA violation section 611 5 B ii. I have had XXXX accounts reinserted on my credit report without any notification. According to 6115 B ii the credit bureau is required to send me notification within 5 days with the statement that the information disputed has been reinserted and the business name and address of any furnisher of the information. I have NOT received ANY information, documentation, or communication from Equifax. 

I received investigations results on XXXX XXXX, 2016 and XXXX XXXX, 2016 stating that the following accounts had been deleted from my report. However, my most recent reports shows that these accounts still remain on my report. I have NOT received any notification, or verification for reinserting these accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the above accounts deleted from my report immediately as it 's a strict violation of 611 5 B ii

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Have sent several letter to ALL XXXX credit bureau trying to get down to the facts of there investigation process. They have not responded back to me at all. EQUIFAX , XXXX continue to report third party information. Collection agency buying debt for penny on the dollar have no binding contract with me or any one else for that matter. I would like immediate resolution removing all the fraudulently negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX LIED TO THE CFPB IN CFPB # XXXX. ( PROOF ATTACHED ) THE XXXX XXXX XXXX XXXX ACCOUNT HAS BEEN RE-AGEDILLEGALLY WITH THE HELP AND BLESSING ( COLLUSION ) OF EQUIFAX.THE ACCOUNTXXXXXXXX # XXXX HAS AN ORIGINAL DATE OF XXXX DELINQUENCY OF XX/XX/XXXXwhich is correct and there exists no proof in this world otherwise.This was verified byequifax and XXXX XXXX XX/XX/2015.the changes made to this record are erroneous on their face ... the date of first delinq., date of 1st major delinq., and date of last pymtare all the same, which is a real world impossibility in credit reporting that equifax shouldknow if they are competent.EQUIFAX HAS LIED TO CFPB AND VIOLATES FCRAWITH IMPUNITY.THE ACCOUNT IS TOO OLD TO BE REPORTING, NOW OVER 7 YEARS SINCE THE DOFD.

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: VA

Complaint narrative:
Equifax is blatantly reporting my current mortgage as " Included in Bankruptcy '' in XX/XX/XXXX. 
The account was just opened and attached is the current status of the account which is " Pays As Agrees '' as of XX/XX/XXXX. The account in question is : Loan # XXXXI am constantly correcting issues with my credit report with Equifax, who is the only credit bureau reporting this incorrectly and this has been on my file for over 30 days. I am filing this report as the first step in lawsuit against Equifax. The issue has affected my credit status and I respectfully ask the CFPB to investigate laws broken by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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 lists an amount due of {$6500.00} XXXX {$7900.00} highest balance ) as a Collection/Charge-off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be NOT owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. Transunion has already responded and removed this item from my credit report. Equifax is the credit reporting agency that is still showing this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
BB & T should pay the penalties and interest of {$440.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed a bankruptcy on my credit report with equafax and there refusing to verify the information is correctly reported on my credit report. After I contacted the clerk at the court house reported on my credit report they advised me there was no case in there files with my social security number on it. So I 'm not sure we 're they are receiving the information there reporting. Also the clerk informed me they DO NOT report to the credit bureaus so the information there reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was deleted from my Equifax Credit Report on XXXX 2016. I checked my XXXX XXXX reports and those XXXX accounts are reporting once again. This is a back and forth problem with the credit agencis it should be some kind of rules and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax dropped my credit score XXXX points for XXXX inquiry from credit plus for a mortgage inquiry. The credit score went from XXXX to XXXX WHY DID MY SCORE DROP XXXX PIONTS FOR XXXX INQUIRY??????? 
I am closing on a home and this has killed my credit!!!!!! 

RESTORE MY GOOD CREDIT!!!!!!! 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX dob XXXX/XXXX/68

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For both equifax and XXXX I got : something happened and we are unable to process your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Address that was not mine was listed on credit report. XXXX card was activated under my name and address was changed by XXXX. Charges that I did not make appeared on my statement with this address. Reported to XXXX and they closed account and is investigating. Want address off all credit reports. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN is not my address or has ever been my address.Please see if you can please remove so other credit cards can not be applied with this address. will have paper work to attach as soon as I get from XXXX but would like this on record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax that I am a victim of identity theft. The following accounts do not belong to me. Please help me in getting this accounts removed from my credit file. 

1. XXXX XXXX Acct # XXXX 2. XXXX - XXXX 3. XXXX ( Reporting XXXX ) 4. XXXX XXXX - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft and the person try to open lots of accounts in my name leaving me with a lot of inquiry on my report. XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
A XXXX credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called XXXX and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/XXXX which is 7 years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong XXXX has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over XXXX years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with Equifax and they came back and said XXXX did not agree to remove. I have called XXXX probably a dozen times over the past XXXX years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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:
I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is listing accounts in collections on my credit report that have been paid off. At XXXX point, all of the information on my Equifax credit file " disappeared. '' It came back on, but with inaccurate information. As you will be able to see from the other credit agencies, these accounts have been taken care of and should be updated and removed. The inaccurate information is causing me to have a low credit score with Equifax and causing me not to be able to qualify for a home loan.

Company response to consumer: Closed with non-monetary relief