vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting a public record on my credit file. I have disputed this item and they have verified the item. 

I request a detailed Method of Verification be provided within 15 days of receipt of this letter for the aforementioned account complete with the following information : Name Business address Telephone number of the person or business contacted during the investigation. 

If a detailed Method of verification can not be provided please delete this entry as requested. If your credit reporting agency refuses this request, I intend to sue for willful non-compliance under FCRA 616. In addition these accounts are negatively affecting my credit rating. I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please correct this information and update my file immediately.

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 — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This bankruptcy has been paid and closed other credit reporting agencies is nolonger reporting it because they show a big different in my credit score only equal fax is still reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: WA

Complaint narrative:
I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid twice a month to once. This has caused me to receive a lot of late payments to XXXX County Department of Child Support Services. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to DGS in XXXX/XXXX/2014. I worked for XXXX since XXXX/XXXX/2005. You will also see a copy of my credit score before it dropped, and emails to Human Resources Dept. In the emails you will see that I was trying to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and Equifax have the same debt listed under XXXX different collection agencies. XXXX Reports XXXX XXXX XXXX and Equifax reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I received a judgment against in from XXXX XXXX Bank in XX/XX/XXXX. I paid the judgment in XX/XX/XXXX ; However, before payment was made it was agreed the judgement would be vacated. Equifax continues to report this even after I disputed with them. Also, Equifax states in their correcpsondence to me dated XXXX XXXX, XXXX that XXXX account would be deleted ; but it remains on my credit report. Also, I disputed the XXXX XXXX account as inaccurate. XXXX sold the alleged debt and it ended in hands of XXXX XXXX XXXX who never answer my Debt Validation letters and subsequently agreed to remove all references to this alleged debt. See CFBP case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to let them know that I had a student loan since I worked as a XXXX I had forbearance and they went on and counted the amount of days on forbearance as late payments and the account changes to another account then it changed to another company but they are all on my credit and it states closed but still appears on my account Now it has a new name XXXX or something like that and there it is again with the same Quantity I do not know how that can be affecting my credit.Then there 's a company called XXXX that is charging me an amount for XXXX single phone I had there is a current lawsuit against this company because of selling out private information about its clients and then the clients getting charged for services that at that time the type of phone I had was not capable for such things like internet TV XXXX XXXX did not even had cable back then.Sports and other cable channels.This Phone was a simple phone that I could barely read my email.How about this XXXX telling me I owe them money when I have XXXX and I pay every month what ever I owe them I get billed but in my credit report it tells me I owe an amount how would they have XXXX accounts.I think my ex husband used my credit and brought a phone with XXXX and tried to pin it on me.Far as I know I closed my account with XXXX and I think he might have opened a XXXX account because I do not even live in the same city these bills are coming from.I owe under XXXX and I am getting a Poor credit report I do n't even think that 's fair I know people that have XXXX in student loans and they have great credit they are behind there loans because like me they have applied for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This company is reporting a tax lien that has been withdrawn by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax provided my credit information to an unknown entity and refused to investigate this violation. There was a fraud alert at the time this occurred and they have ONLY offered to delete the evidence of this violation. 
Equifax Confirmation # XXXX is where they reported on my credit report that XXXX XXXX XXXX ( XXXX ) allegedly accessed my credit information on XXXX/XXXX/16. NOTE that there was a fraud alert implemented on XXXX/XXXX/16 by Equifax, 21 days before the violation. See XXXX 's letter where they state based on their investigation and their current practices and procedures that " an error of some type has occurred on XXXX XXXX 's credit report. ''

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

Complaint narrative:
federal tax lein that does n't show paid or released. 
state tax lein that does n't show paid or released. 
collection account that i have no knowledge ( no contract ) of from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Today I tried to request my free credit report and was denied access because the information that I checked off appeared to be wrong. I have not requested a credit report for more than a year and I fear that my social security number has been compromised. Furthermore, I believe that someone has taken out a mortgage in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 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:
EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: S.O.S. Loans, Inc.
State: CA

Complaint narrative:
SOS Loans, LLC has a public record listed on my report as of XX/XX/XXXX. I was never served with any paperwork leading to this judgement. As soon as I saw this on my credit report I called and made arrangements but they refuse to remove from all XXXX credit bureaus. Even though they lied in court to get a judgment i was never notified about. My husband was tragically killed in a car accident on XX/XX/XXXX. I have XXXX children & no life insurance policy for him. I 'm not or never have i ignored there letters but i never received anything from sos loans inc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are XXXX negative accounts that are being reported by Equifax , I have attempted to dispute these XXXX times to get the payment history and payment status updated to reflect accurate information. I also disputed the same information with XXXX and XXXX along with provided the same documentation from the lenders themselves and they corrected the false information. Equifax however continues to damage my credit. I attempted to get assistance on the phone with the dispute department several times and was meant with attitudes when trying the explain the situation, even hung up on. My score is above XXXX with the other CR agencies and sitting at XXXX on Equifax due to their refusal to correct this information. The accounts in question are held by XXXX/XXXX/XXXX and XXXX servicing and were reported in negative payment status, and XXXX XXXX XXXX which was paid off by the XXXX in XX/XX/XXXX yet Equifax continues to report it 's status as a collection account despite listing it as paid like they have in the comments. I was told that my concerns about my credit are irrelevant as a consumer this concerns me. These accounts show as late in XX/XX/XXXX-XX/XX/XXXX

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 — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details XXXX-XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
A lender named XXXX pulled a hard credit inquiry on my Equifax credit report. I have n't applied for credit with them or anyone else and want to removed. It states the inquiry date as XXXX XXXX 2016.

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: GA

Complaint narrative:
The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My Credit Report has a wrong current address for me, My Employment status needs updated as well. I am not employed any longer, but I do receive XXXX as monthly income. I also have disputed some accounts that are listed on my credit report for various reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Fraudulent accounts along with credit cards and loans using my credit report and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have worked with XXXX bank regarding a loan that was paid off in XXXX. It started to appear in my negative credit portion of my account in XXXX XXXX showing I was currently delinquent. I worked with the bank and OCC and they removed it from all my credit bureau as it should have been in my positive credit. Please see the attachments for XXXX of XXXX. All XXXX bureaus were corrected. Then in XXXX Equifax started reporting it incorrectly again. I worked with the bank again and OCC and they XXXX have determined it should be removed ENTIRELY off my credit. I have enclosed the letters dated for XXXX XXXX of the investigation that was completed. I have waited for a number of weeks and Equifax is still reporting it negatively. I have disputed it again with Equifax and they refused to remove it from my credit. Please see the most recent credit dispute with them. This is costing me more money in loans as my credit score is not correct and creating a hardship. The XXXX Bank account needs to be removed immediately from my credit. If it continued to report, I will have to file a lawsuit again Equifax and XXXX bank. I have indisputable evidence that the OCC and XXXX bank XXXX agree the information that is being reported by Equifax is incorrect and is in violation of the fair credit reporting.

Company response to consumer: Closed with explanation