vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Zenith Financial Network Inc
State: NM

Complaint narrative:
See the letter attached : XXXX/XXXX/2017 Zenith Financial Network ( ZFN & Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Stop calling me. This has been my number for 17 years. I continue to get calls from ZFN daily at XXXX XXXX. You are looking for someone named " XXXX ''. There is no XXXX at this number and has never been. Every time, and I mean each and every time, your agents call me they are rude and have the nerve to tell me to mind my manners - EXCUSE me XXXX, you are calling me at XXXX XXXX almost every single morning even after I 've wrote your company twice already and am constantly put in the position of having to explain this issue to your collectors who call me. What the XXXX? Are you just XXXX or do you just feel it is within your right to treat people who have no association with you like XXXX? You are the epitome of a bottom-feeder. This is the classic legal definition of harassment. I work at home. The telephone is my tool to do my work. I live with my wife and XXXX minor daughters. My wife and I have never, ever been late on any financial responsibility much less had the need for a collector to contact us. In fact, I am a consumer financial regulatory consultant working in the industry for 26 years. My job is contingent on being financially responsible for which I am required to certify twice annually. I know a thing or XXXX about debt collection laws and your action clearly demonstrate that you are not compliant - ILLEGAL is the accurate word for your business practices! 

This is my XXXX, and final written warning. This combined with the numerous times I have verbally informed your company of your mistake and continued harassment should be enough even for the most lazy, incompetent slackers who are employed by your company to understand that YOU ARE IN THE WRONG. THIS IS NOT A PLOY TO BE SKETCHY AND AVOID PAYING A DEBT. The actions by ZFN are negatively impacting my quality of life and disrupting my professional responsibilities. Your actions are a clear violation of the FDCPA and TCPA. Consider this a formal, and final, cease and desist notification. 

In summary, I have explicitly stated on many occasions, both verbally and in writing : I do not know who you are looking for, You have the wrong number, To remove my phone number from your database/list, To stop calling me, That your continued calling is harassment and illegal. 

By the way, it would be much more convenient for me to call the number listed on your web site XXXX XXXX XXXX ) but the call goes straight to a permanent busy signal. You 're not fooling anyone. This is an intentional effort on your part to evade being contacted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
When I apply for a car loan my father 's credit report is shown, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed with Equifax and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All three bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Equifax make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Equifax or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had a XXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. XXXX sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, XXXX reported to XXXX and Equifax a past due balance of {$1200.00}. I disputed with both credit bureaus, XXXX removed the information from my credit card promptly and Equifax told me to contact XXXX. I have contacted XXXX multiple times to no avail. The last communication was a phone call about a month ago and XXXX was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by XXXX to Equifax ( XXXX XXXX ). This is affecting my Equifax score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a report on my credit report that I am XXXX days late on my XXXX account. I am NOT late and I have a letter stating this. I dont know where you are getting your info. But this needs to get taken off my credit report. Its damaging my credit and my husbands.They said they DID NOT report this.

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

Complaint narrative:
equifax is reporting name change and I contacted company and they say contact my creditor to see who issued name change. I did talk with my XXXX creditors and they know nothing of name change. 
Then I communicated with equifax again and their response : " Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 
If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days by simply replying to this email. 
Thank you for allowing us to be of service to you? 
Subject Name Change??? 
Discussion Thread Response Via Email ( Equifax Customer Care ) XXXX/XXXX/2016 XXXX Dear XXXX XXXX, We appreciate the opportunity to resolve this matter on your behalf. 
I sincerely apologize for any inconvenience you have experienced. 
For more information on this name change, we recommend that you contact each of your creditors and confirm that your name is correct in their records. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your creditor is correct. This would also make sure that this information was not changed fraudulently. 
You may also contact our Consumer Services Department at : XXXX. They correct and update any incorrect or fraudulent information on your Equifax Credit Report. You will be able to speak with one of our representatives Monday through Friday from XXXX to XXXX in your time zone. 
If you have any additional questions or concerns, you may contact our Customer Care Department at the telephone number listed below. 
Thank you for contacting Equifax , Equifax Personal Solutions - XXXX Equifax Personal Information Solutions Equifax Complete Premier Plan XXXX ( XXXX ) 24 Hours a Day, 7 Days a week Answers to your financial questions. All in one place. Check it out today. 
Equifax Personal Finance Blog : www.equifax.com/blog [ XXXX ] " Equifax refuses to disclose who submitted a name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed numerous inquires through Equifax to get them deleted because I did not authorize them and I was basically told that I had to contact the creditors that pulled my report even thou Equifax could not supply documentation bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received my EQUIFAX credit report and discovered that XXXX XXXX had fraudulently initiated an inquiry into my credit report on XXXX/XXXX/2015 without my written authorization. 
This acts of misdeed of the employees of XXXX XXXX Delaware is in clear violation of my privacy Acts, where I had not consented to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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:
Equifax through a previous CFPB Complaint No : XXXX. Equifax was to remove and delete an illegal fraudulent account by XXXX XXXX XXXX. Upon completion of the Equifax , CFPB investigation, Equifax deleted the fraudulent account, but later restored the illegal account once the above CFPB account terminated. Equifax has 24 hours to delete permanently any XXXX account as informed in the previous CFPB Case. Now, this new Complaint is on another fraudulent account by XXXX XXXX XXXX XXXX which derived from the previous XXXX Loan account removed temporarily. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I just noticed an address listed in my personal information that I do n't recognize. It is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I lived in XXXX California prior to 2005 but I never lived in XXXX. I checked the address through XXXX and noticed that it lists XXXX residents. This may indicate that it is a board and care home, a halfway home or some similar temporary multi-resident use. I reviewed the list of residents to see if I recognized any names, which I did n't - except for my own name listed as a previous resident. Since I never lived there, I am submitting this complaint to get this address removed from my credit report, and I will contact XXXX to have them correct their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My, name needs to be added by Equifax to the : XXXX Equifax Information Services LLC, Settlement Administrator. 

According to Equifax I am a part of the lawsuit but my name has not been given to the settlement administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax add a previous deleted creditor back onto my equifax credit report creditor name XXXX I also attached a recent equifax credit reported they just mailed to me and XXXX is no longer on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I completed the Student Loan Rehabilitation Program on XXXX XXXX XXXX after XXXX consecutive on time payments. I was in default on my student loans and dreaded the calls from the collection agency. I decided to address the defaulted loans in XXXX XXXX. I was told by the collection agency and the guarantor that all negative entries related to the default and late payments would be removed. I am aware that in certain circumstances if you were delinquent prior to entering into said agreement those negative items could remain. That was not the case with my XXXX tradelines that are in dispute. I repeatedly asked both parties to be sure I understood. I made my monthly payments to XXXX XXXX on behalf of XXXX. XXXX had received my loans from XXXX Bank. XXXX STATED that the XXXX Bank tradelines would be updated to reflect no late payments or they would be removed completely because of the Statute of Limitations ( XX/XX/XXXX ). All XXXX of the ( XXXX ) tradelines would be removed as well. XXXX was removed. XXXX will not update the information and as a result Equifax, XXXX and XXXX are stating that " XXXX '' says the information is accurate. The information is not accurate because XXXX is also stating to the XXXX Bureaus I had a late payment in XXXX XXXX. I have not had any relationship with XXXX since XX/XX/XXXX. They refuse to update even after I called XXXX directly as instructed by Equifax and XXXX. The credit bureau representative stated that there is a XXXX balance on my report for all XXXX XXXX entries and the lates will be removed according to their records in XX/XX/XXXX so " you do n't have to wait much longer '' and it is not affecting your score. It is affecting my score because it shows XXXX late payments for all XXXX loans. I do not want to wait 2 months to get information off of my report that should n't be there, I most certainly do n't want to wait two more years. The fact still remains that I have met my on time payment obligation. I paid as agreed and now the credit bureaus should follow the rules and comply as well. It is very difficult dealing with XXXX as a regular everyday working American. I understand that the credit bureaus do n't want to deal with it either, but it is their job to get proof and resolution. They have not done either. XXXX Bank should be deleted from my file. They refuse to provide proper documentation to support what they 're reporting is accurate and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had contacted eqyifax to remove an item placed twice. XXXX XXXX had purchesed account from XXXX and the amount XXXX states is incorrect XXXX and it should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax and notified them that there must be a mixup with my file due to the account is not in my name. They removed XXXX. XXXX and XXXX Bank were those removed of the XXXX. As if today, they appeared back in my report. Also, there are XXXX collection accounts that do not belong to me. Please remove the XXXX negative accounts and collections from my file as they are hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, 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 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Bank XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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:
My credit is frozen with all three credit reporting agencies, but on XXXX XXXX 2015, XXXX XXXX issued me a brand new credit card. I sent letters to all three credit reporting agencies asking how it was possible for me to get a credit card when my credit is frozen and they responded with " There is an Active Security Freeze on your credit file. '' They did not answer my question. I want to know how it is possible, if there is an Active Security Freeze on my credit file was it possible for me to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The original credit card was with XXXX and went into collections in XXXX with XXXX XXXX. In XXXX, XXXX XXXX using Pressler and Pressler filed the judgement # XXXX in XXXX XXXX NJ against me on XXXX/XXXX/XXXX. This is outside the state statue of limitations that a judgement can be filed against me in the state of NJ which is 6 years. I have asked for the original paper work that was used to filed the judgement and Pressler and Pressler is refusing to provide this information. Please help me have this removed ASAP as this is keeping me from closing on my new home on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been working with Equifax for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Equifax? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. Equifax also for some reason reports the account I have with XXXX XXXX as currently XXXX59 days, this is impossible since the account has a XXXX balance! XXXX isnt reporting this as past due so why is Equifax??? They keep telling me this has been verified with the company but it couldnt have if XXXX is reporting something completely different right???

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

Complaint narrative:
Tax lien {$2600.00} Status Unreleased XXXX XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my Equifax & XXXX Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from Equifax. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX ACCOUNT ON MY EQUIFAX REPORT SHOULD BE DELETED ITS BEEN SEVEN YEARS SINCE MY LAST PAYMENT THAT WAS ON XXXX 2009 WHEN I TURNED THE CAR BACK TO XXXX FOR EARLY TERMINATION OF MY LEASE THE OTHER XXXX CREDIT COMPANIES EXPERIAN AND TRANSUNION HAVE ALREADY DELETED XXXX BECAUSE IT HAVE BEEN SEVEN YEARS THAT PAST AND EQUIFAX IS REFUSING TO DELETE THIS ACCOUNT FROM MY CREDIT FILE I ATTCHAED A COPY OF MY EQUIFAX REPORT SHOWING XXXX AND THE DATE OF MY LAST PAYMENT

Company response to consumer: Closed with explanation
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: MO

Complaint narrative:
Equifax is reporting a collection account from XXXX ( original creditor XXXX ) in the amount of {$84.00} ; I have never had any kind of XXXX from XXXX and, to my knowledge, do not owe this debt ; I disputed the account with all XXXX credit reporting agencies and the account was removed by XXXX and XXXX, but continues to be reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. Equifax GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.

Company response to consumer: Closed with explanation