vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Has me listed as deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX sent XXXX phone bills to collection which is XXXX that does not belong to me and is under someone elses name in XXXX XXXX oklahoma at the time it was made i was living in XXXX they want rent receipts and i live in a XXXX so when i moved to XXXX in 2012 i threw all my old receipts out not thinking i would need them. i have never had phone service with XXXX i have used prepaid phones for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I properly requested via Certified Mail a description of the procedure used to determine the accuracy and completeness in which Equifax had used to verify a disputed tradeline ( attached ). Equifax refused to provide information on how the tradeline was verified, nor did they include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher per FCRA 611 ( a ) ( 6 ) ( b ) ( iii ). Equifax 's response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax keeps reinserting wrong addresses that was previously deleted after I spoke with several different representatives and was giving a confirmation number. I even sent them information via mail. The addresses was deleted months ago and within the pass two months have been reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a wrong address on my Equifax report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax is not doing a proper investigation. They keep saying it is verified. I want to know who are they contacting with the creditor. Also they are not providing papers under the FCRA XXXX which they need to have to be able to report and item. Also they remove something and it gets reinserted without letting me know which is a Violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not obtain a credit report because someone has used my social security number to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Credit Agency : Deleted a good standing trade line from my credit report without me the consumer contacting the credit agency or disputing the account. My fair credit rights were violated due to the trade line being in good standing and was not ten years old. The trade line was deleted from my credit report on XX/XX/XXXX, when it was not due for deletion until XX/XX/XXXX. The trade line was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Telephone number XXXX. When I contacted Equifax Credit Agency regarding reinserting the trade line it was stated to me, " that I had to contact the institution. '' I did! I contacted XXXX XXXX XXXX the Vice President, credit disputing department on XX/XX/XXXX. Her telephone number is XXXX. She stated, " I would have to move forward on my complaint against Equifax. Equifax stated, " to me XXXX Bank, sent in an electronic portal requesting to have the good standing credit line removed. '' I do n't know who is telling the truth or who is n't. What I do no is my FAIR CREDIT RIGHTS WERE VIOLATED. I am asking for the good standing trade line, [ description account number XXXX ] to be reinserted with all major credit bureaus. My fair credit rights have been violated. This has cost me tremendous stress, cost my credit score a tremendous score hit, meaning lowered my credit score. And most importantly, I continually to be miscommunicated, mis-leaded by both Equifax, and XXXX Bank. Please investigate throughly. As always, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a chapter XXXX bankruptcy listed on my credit reports with all three credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all three credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is an collection that is reporting on my credit file that does not belong to me. Please assist me in getting this item removed from my credit file. The account number to this collection is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is a fraudulent identity theft account also is a copy of my police report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of Id theft and I sent two requests certified mail to equifax to do a security freeze. I mailed them twice the police report, utility bill, social security card and drivers license. I received confirmation of the certified mail. They did not respond to either of my requests for a security freeze. I called them XXXX/XXXX/15. I talked to 3 different people. The first one told me NO they wo n't do the freeze, I have to pay XXXX. The second one said I had a lock on my file, which I do n't recall placing and said I had to pay XXXX to lift the lock. Then they would place a freeze. I talked to a third person who again refused to do the security freeze and when I told them I was a vicitm and I sent my documents and provided the dates on the certified mail, they said they did n't have them. They said I had to send a third time and I could fax. This is very concerning as I sent highly sensitive personal information. I faxed it although I was very hesitant to do so. I sent these letters back on XXXX XXXX and they signed for it on XXXX XXXX ( 2015 ) and I sent it again XXXX XXXX. I 'm now concerned other fraudulent accounts may have been opened due to their lack of integrity and service issues. I want them to freeze my credit and send me updated report.

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

Complaint narrative:
XXXX has a derogatory mark on my credit stating that I owe them money from when I disconnected service from a home in XXXX. When I moved into my new home in XXXX we got service from XXXX. We paid the outstanding balance to get service started. They never updated my credit bureau to show that it was paid. As a matter of fact they state that it was never paid. That is impossible cause their own policy is that they can not start service with customers that owe them money until the outstanding balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old '', as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state " Once paid and released, a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies, they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights, is this statement that the FCRA protects you by requiring consumer reporting agencies : " Delete outdated information. In general, negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens, and is skirting federal law by exploiting short, vague phrases in the legal verbiage such as " in general '' and " in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another, i.e. there is no consistency among the agencies, that equates to a complete disregard for consumer rights and a lack of accountability or governability amongst them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
On XXXX XXXX XXXX, I pulled a copy of my credit report from Equifax. There was a medical collection on it for {$360.00} with an unknown creditor. On XXXX XXXX, XXXX, I wrote to Equifax to dispute said alleged debt and asked for validation. Equifax responded on XXXX XXXX, XXXX, after the 30 day time frame, and indicated and updated that the alleged debt was for {$410.00} and that it was paid in full. Equifax did not validate said debt nor did they mark it disputed. To date, XXXX XXXX, XXXX, this alleged debt has never been validated nor has my credit report been marked " disputed '', but Equifax continues to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: UNITED MORTGAGE CORP
State: FL

Complaint narrative:
United Mortgage Company shared private financial information such as IRS Form XXXX & employer XXXX forms with persons not employed by United Mortgage and through unsecured email servers in violation of the provisions of the GLB Act. When contacted regarding this incident, they defended the practice which indicates it was not an isolated instance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an inquiries on my report that I never applied for, I need this to be removed I already fill up an Identity Thief affidavit and send this to all XXXX credits bureaus.The company XXXX application was not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 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:
I am continuing to file a complaint against Equifax who was repeatedly wronged me in how they conducted an investigation on an account illegally placed on my file. without my permission a small overpayment which i had paid in full was transferred to the XXXX by my teenage son. I disputed this with the XXXX and took it up with management that they had no right to entrust my financial decisions to my teenage son while i was at work. Then, the manager at the XXXX agreed that it was not right on their behalf to have spoken to anyone besides me at transferring my loan which i had almost completely paid in full so I instantly paid the account off in full on the phone and closed it and they sent me a letter stating that they were sorry for any inconvenience an that the account was paid, never late and not a collection and would not be placed in the derogatory section of my credit report.. Initially, in XXXX, I received my credit report with a derogatory red flag next to the XXXX account but it that no indications as to why it was in the negative section of my file ; no payment history, no status and now remarks. SO I inquired and obviously disputed the account wit equifax, which said it was open and active for XXXX and XX/XX/XXXX, though it was paid and immediately closed in XXXX XXXX. After XXXX dispute letter that took over XXXX DAYS Equifax sent me a letter stating that the account was verified to me and was XXXX days past due until XXXX. This continued to frustrate me because i lost out join a mortgage because of them in late XXXX. I continued to dispute this and asked for proper verification and their descriptions and procedures to be proved to me in XX/XX/XXXX and in XX/XX/XXXX and they refused me any further investigation. I was aware that the information was not properly placed there and so i threatened to take this to the FTC and then they claimed that it was no longer XXXX days past due but that it was a " collection '' item now. Neither XXXX or XXXX are reporting this account negatively and yet Equifax does n't have the updated information like XXXX and transonic. They continue to call numbers that they send me which are not even the correct department. They have also send to false addressed to dispute with the XXXX XXXX XXXX if i had any issue but my mail continually get returned at the addresses which they provide. Please, can i get some proper help against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Dear sirsAm facing a serious problem with a car dealer XXXX XXXX XXXX XXXX, where i went there with my cousin to co-sign with me buying a new car, since i just moved to XXXX and still building my credit score, we talked to the financial rep. about the inquiries and not inquire more than XXXX banks, and that what he did while we were there and he came back telling us we are approved by XXXX XXXX XXXX bank at a rate of ... .., so we agreed on it and we came back the XXXX day to close the deal and be done. 
Then later after 1 week we are still receiving inquiries they did after we left and it reached XXXX inquiries. 
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
this is considered misuse to the agreement that we gave him to pull the score since it was already agreed from our side on the second offer we had from XXXX XXXX 's bankThanks a lot for your support and appreciate your feedback

Company response to consumer: Closed with explanation