vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These are the same accounts from CFPB case # XXXX. Also, please see the attached letter from XXXX which states my identity has been exposed to the public. 
These accounts were already removed and someone, please remove them ASAP. 

account has not been paid as agreed. 
XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$110.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$110.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$130.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$130.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$180.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$180.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$120.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX rejected my XXXX Credit card application stating too many credit cards were opened during last 2 years as per Equifax. As far as I know only XXXX credit cards were opened and I usually carry a XXXX balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over XXXX. I am not new to XXXX and already had a banking relationship with XXXX for last XXXX years and own a credit card from XXXX as well which has a XXXX balance. XXXX publish promotions online which I called a bait to attract customers like me reject them giving XXXX stories. I believe I was treated unfairly due to Equifax report and approve my credit card application ASAP since I have a good credit history for last XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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 requested all XXXX of my credit reports from XXXX and only was able to get XXXX. I was unable to see the equifax report because my time elapsed and when I logged back in to see it, it said that I had already recited my annual credit report and that I had to purchase it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX account was previously deleted from my consumer reports. XXXX was reporting unsubstantiated information and was therefore removed. Upon checking my credit. I noticed that the credit reporting agencies also re-inserted the XXXX account. The fair credit act says that the reporting agency must notify my in writing 5 days before re-inserting the items on my credit. FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( CONTINUED ) I have not received any information from the reporting agency as to the steps taken to verify the validity of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Equifax credit bureau continually reports old, outdated information on my credit file, particularly 1 account which was paid off over 1 year ago in XXXX 2014 is still being reported as an active collection account even though the collection agency indicated in writing that they have been reporting a paid in full status and XXXX balance. 
Also, I have tried disputing old, outdated information online, however, Equifax stops the online reporting process indicating they can not verify my identity and who I am. 
Which entity or agency XXXX credit bureaus which make their living by publishing old, outdated information, so credit grantors can make more money and profit because bad information is being reported on consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ALL XXXX of my credit bureaus have my maiden name listed. I have gotten married, got divorced from my XXXX marriage, and got remarried this year. These people need to listen and change my XXXX name!!!!! My maiden name is no longer valid!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
RFC XXXX {$2000.00} and XXXX Amount {$1500.00} are reporting on my account and both are the same thing. I have no knowledge of this debt and Equifax continues to say they verified but will not tell me what evidence they based this on. I have contacted XXXX and they stated the account is listed with the debt collection CRA. The company has no agreement of signature binding me to this alleged debt. They state that a live check was sent to an address that I did n't live at. Equifax did n't follow guidelines as specified by XXXX or else they would 've removed this account from reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX hosted a XXXX time home buyers seminar that was mandatory to attend to qualify for an XXXX county first time home buyers grant. While attending this meeting the Host of XXXX XXXX XXXX stated we could get a free copy of our credit report from them and it would not count against us as it would be a soft inquiry. XXXX XXXX Mortgage handed out an application to get our free credit report right after that and we thought that is what we had to fill out to get the soft pull. 3 days later a hard inquiry is showing up from XXXX XXXX Mortgage. After speaking with XXXX XXXX Mortgage and XXXX XXXX XXXX, XXXX wrote a letter the other an email to help me get this removed from my report. I sent these letters as well as an explanation to the credit bureau 's. Their response was I could not request for an inquiry to be removed only the company that pulled the credit could call the business department to have it removed. I forwarded this information on to XXXX XXXX Mortgage and was told it would have to be reviewed by there back office to see what could be done. I never recieved correspondence for 2 weeks. I call back and was told that they were unwilling to do anything at this time. 
I would like this hard inquiry to be removed from my wife and I 's credit as it was in error pulled by the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a few concerns on my credit report, that 's not accurate! 
1. My names used are incorrect. ( my wallet was stolen or lost in XX/XX/XXXX & XX/XX/XXXX ) 2. Account terms and status are incorrect ( multiple school accounts with is only XXXX in good standing. ) 3. The creditor for my mortgage will not list my Debt on my credit report which would help my credit score. ( Never was late with payment in 15 years ) 4. Have an judgement on my credit report that been resolved. ( Still showing )

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

Complaint narrative:
Equifax has not properly investigated my credit report regarding the status of student loans being reported. I have disputed multiple times that the accounts should not have been included in bankruptcy as they are not dischargeable. My bankruptcy case is closed and yet they have failed to update my XXXX student loans held by XXXX as active current accounts. They have never been late but they refuse to correct the information on my report.

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

Complaint narrative:
If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
name is misspelled wrong last name Correct name XXXX XXXX not XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am not sure who the credit reporting company is that have the wrong address information. I never resided at XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please update my personal information to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, I received a notification from ( XXXX ) an agency that monitors my credit and alerts me to anyone pulling my credit. I was informed that Equifax placed on my credit that XXXX had pulled my credit for a credit card. I called XXXX and they reported that no such thing happen. XXXX told me to dispute the inquiry on my credit report. I went online to try to dispute, but Equifax would not allow me to dispute online. So I called them today, and the woman told me that they do not allow for inquiries to be disputed. I asked her when did this start, because 6 months ago I had to dispute inquiries and incorrect information on my credit report and after they investigated, the corrected the information. The lady on the phone told me they have never allowed anyone to dispute inquiries. Equifax had extra SS numbers on my credit report, and incorrect credit inquiries on my credit report. I asked to speak to her supervisor, a man got on the phone and told me he was not going to investigate because it was an accurate public inquiry. I told him that I had spoke with XXXX and they even denied pulling my credit. I have noticed a consistent pattern with Equifax, as soon as an inquiry falls off my credit, another one appears, there are there are a total of XXXX unexplained inquiries on my credit report from Equifax that they refuse to remove or investigate, XXXX and XXXX are on the same page, I only have XXXX inquiries, but with Equifax i have XXXX and XXXX are unexplained. 

This was an inquiry on my credit on XXXX/XXXX/XXXX from XXXX, they flat out refused to investigation and told me this would continue on my credit report till XXXX/XXXX/XXXX. I would like this inquiry removed, I did not make this inquiry and XXXX validated the information..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have disputed all inquries on my credit report as ones I dont recognize and Equifax has chopsen not to respond to my inquiry within the allowable 30 day time fram per FCRA. As a result, I would like them removed due to no reponse from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I investigated XXXX through XXXX XXXX about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.

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: AZ

Complaint narrative:
names for reporting are not mine. I am XXXX XXXX XXXX. please remove all other alias names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OR

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 60 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 2016-11-04 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus continues to harass me and while I have asked for legal verification of their role as a servicing company to my mortgage and also legal documentation of Fannie Mae 's ownership of the loan, they have provided neither. I 've received hundreds of pages of documents and the only related thing was from XXXX which XXXX does not own the loan and also was n't able to provide the same documentation I 'm asking for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Paid for Credit Monitoring, XXXX, {$19.00} per month, XXXX/XXXX/15 called back XXXX/XXXX/15 at approx XXXX : XXXX to cancel and was told that you could not cancel XXXX, they would charge. They would cancel it effective XXXX XXXX. I explained that I did not have a opportunity to really understand what I had signed up for. Since I had a chance to talk to other and realize I already had similar services, I called back to cancel and they said " TOO BAD ''. I would like my money back.

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 — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required

Company response to consumer: Closed with explanation