vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following company XXXX XXXX XXXX XXXX has placed their name on my Equifax credit report fraudulent. I requested validation of this debt, however the address on my credit file is bogus. The USPS returned my dispute in reference to this alleged debt, as undeliverable. Every time I dispute this account with Equifax it comes back as " verified '' I can not recall ever doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

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: WA

Complaint narrative:
I tried to apply for a credit dispute and could not even see my report because when asked about possible loans on my report, I had no information of them and no memory of getting a loan. I 'm XXXX and it said that there were loans as old as 2011 that I had no idea about onb my report that I ca n't see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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 a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed some items on my Credit Report with Equifax and they took more than the XXXX day required to Investigate. They received my dispute on XXXX/XXXX/2015 and did not complete the investigation until XXXX/XXXX/2015, which is beyond XXXX days. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] They have to delete all items that I disputed. I called Equifax and spoke with XXXX and then XXXX who stated they will not delete the items and that they are in accordance to all FCRA rules. I 'm demanding all Items I disputed be deleted from my Credit Report Immediately. Pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is reporting a debt as having a balance of {$1500.00}. This account was paid in full as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately! ( See case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report has the same loan being reported XXXX times. I have a total of XXXX loans being reported XXXX times. So instead of the XXXX loans that I have actually taken out, my credit report is showing XXXX. Each company that has managed my loans has reported them, so XXXX companies. XXXX loans. XXXX accounts showing on my credit report. The most recent loan carrier reporting does not even have an open date for my loans. Then I have one other loan that I paid XXXX years ago and it 's even on my credit report XXXX times even though it was already paid off. So, this other loan, XXXX loan, but showing it as XXXX accounts - and it 's been paid for XXXX years. That 's XXXX extra accounts showing on my credit report that should n't be there. And it 's on XXXX reports that I got XXXX XXXX Equifax XXXX, so I 'm sure it 's just as bad or worse with other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has incorrect account balances on accounts which were paid in full. The correct balances are reflected on XXXX so the company has reported. Also, accounts are reflected as discharged in BK when they were paid in full and not included in BK. There are state liens which are incorrect. I left the State of Ohio XXXX YEARS AGO. I have filed a dispute with Equifax but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Section 8 Housing denial and I have 10 days to appeal. If I ca n't view or get my XXXX credit reports, how the XXXX am I expected to file a complaint?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX on my equifax credit report that I would like deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have repeatedly requested proof of validity of XXXX alleged debts. Equifax has listed both of the accounts as disputed by consumer for over 30 days. XXXX has not responded to repeated attempts at communication both by myself and CFPB. XXXX XXXX XXXX XXXX XXXX have not provided validity only a blank form page provided to CPPB with first complaint submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
They claimed they could not access the files I submitted as were password protected. I am requesting they remove the 30 days late report to XXXX XXXX XXXX XXXX from XXXX 2016. I tried and sent this info to them XXXX2016 without satisfactory results is what triggered this complaint. I have attached a readable file showing that this was reported in Error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Update and removal of incorrect information on report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
*I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I have requested that you remove the fraud alert from my account. Please remove all freezes as well. Contact me if you have any trouble doing so. XXXX. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX

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

Complaint narrative:
I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I have disputed the items and they were removed after being proven they are not mine and the same exact debts have appeared back on my report for a second time after being sold to someone else again and the bureaus continue to re-insert the item. I have also requested to remove the fraud alert in writing for a short period and they did not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested this creditor validate or verify this account according to the rules and regulations of FTC. As of today, I have not received a response. If this information can not be supplied, it should be removed from all credit bureaus.

Company response to consumer: Closed with explanation