vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX ( XXXX ) XXXX has appeared on my Credit Reports with all XXXX Agencies for over 8 years. They keep re-aging the info to maintain item on my reports. Equifax Business Affairs after looking at the details took it off my Report last month and XXXX put it back on this month. The account dates back to XXXX and first appeared in XXXX. I have been fighting them for over 7 years. If you go to my Credit Reports now they currently claim I made a payment in XXXX of XXXX. I have never made a payment to XXXX. No 81-Month Payment Data available for display and the balance has n't changed since XXXX. In addition they have not been in business for over 5 years as they were acquired by XXXX. It is my understanding accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment. I believe XXXX is guilty of Fraud and XXXX of the Credit Reporting Agencies suggests this. Attached please find an example of about XXXX letters like this sent Notarized to XXXX and have all been ignored.

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

Complaint narrative:
I have a Tax Lien on my Equifax credit report maintain under my social security reported by the XXXX Recorder 's Office. I have contacted the Recorder 's office and I do n't have a Judgment legal item. The Recorder 's office stated to me that they do n't provide information to credit reporting agencies, nor do they ever validate a public record due to privacy laws. On XX/XX/XXXX I received a letter from the Recorder 's office advising me to contact Equifax indicate on my letter to clear out my Federal Tax Lien. On XX/XX/XXXX,XX/XX/XXXX I sent Equifax certified letters asking them how did they validate and verified this public entry record with the XXXX Recorder 's Office and to please permanently delete this Public Record immediately along with a copy of the letter from the Recorder 's office. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts /public records you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I received a copy of my credit report Equifax on XX/XX/XXXX stating the tax lien information has been verified. I sent another letter on XX/XX/XXXX to Equifax asking them to provide the name, address, and telephone numbers to each person contacted at the XXXX Recorder 's Office and I formally requested a copy of any documents provided by the Recorder 's Office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. On XX/XX/XXXX I sent Equifax another letter certified along with a copy of the recorded lien withdrawal certificate from the XXXX. I have reviewed my Equifax credit reports from XX/XX/XXXX,XX/XX/XXXX and Equifax still reporting the TAX LIEN I requesting this information be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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:
Three years ago I went to the XXXX for one day. I paid all bills associated with this visit and am now being contacted by a creditor claiming they purchased my " debt '' and are looking to collect. I claim that these bills never existed and wish to restore my credit and absolve myself of these false accusations.

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: CA

Complaint narrative:
This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Equifax credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
An account from XXXX in.the amount of XXXX was reinserted on my credit report when it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In XXXX of 2015 I paid in full XXXX student loans I had with XXXX XXXX XXXX. 
On XXXX XXXX, 2015, I received a credit report from Equifax noting these loans were paid in full and no negative information was reported on these account. 
On XXXX XXXX, 2015, I received a noticed that negative information had appeared on my Equifax credit report. The negative information according to Equifax was reported by XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX who advised they had never reported negative information to Equifax reference my student loans. 
I contacted Equifax via telephone and correspondence reference the information received from XXXX XXXX XXXX and Equifax refused to remove the negative information from my credit report. 
I have included copies of my Equifax credit report from XXXX XXXX and XXXX, along with other various documents which show their negative entries on my XXXX accounts. 
I have also included correspondence from XXXX XXXX XXXX verifying my student loans were never in a late status nor reported as a late status. 
In addition I have also included a copy of all payments made on my XXXX XXXX XXXX loan accounts which also prove I never made a late payment on these account. 
Despite all of this information from the creditor itself, Equifax refuses to remove the false information they placed on my account. 

Any help or assistance with the tactics being used by Equifax is appreciated.

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

Complaint narrative:
I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX MISSED payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX pm central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XXXX/XXXX/2014 I received a hard inquiry on my Equifax credit file from " XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX ''. I have never done business with or applied for business with that company. I disputed the inquiry with Equifax and they told me that they could not do anything, I would have to dispute it with the creditor. I called the number they provided me with ( XXXX XXXX XXXX ), no answer ; however, I got the voice mail for a man by the name of XXXX XXXX. The number Equifax provided me with is not for XXXX but some random man by the name of XXXX XXXX. This is my formal complaint to get this issue taken care of.

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

Complaint narrative:
I have been penalized for paying off my debts. My credit score is terrible, and the mortgage lender is threatening to refuse my mortgage loan or not honor the rate set. The scoring system is deeply flawed. The credit score does not reward financial responsibility. My score always plummets immediately after I pay off my mortgage. I have no time to find or build a new home with a good credit score. 
I do not want to use credit cards, and the system requires that in order to have a good score. This encourages debt. It has nothing to do with credit worthiness. I have had XXXX mortgages, XXXX auto loans and several student loans. All have been paid on time and closed with no incidents. Nevertheless, I have a " fair '' credit score. They drop mortgage loans after a few years so that lenders do n't see the history. So, they penalize people who stay in the same house for a period of time. I would like for something to be done about this. It is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting a number of inquiries on my credit file that i did not request or authorize. I filed a complaint with the FTC ( form attached ) and i would like the following Inquiries deleted from my credit file Company Inquiries : XXXX XXXX XXXX XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX Open Road Lending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a dispute on my credit report for XXXX XXXX. This account was not valid since XXXX Loans was sold my mortgage by XXXX shortly after I filed for Chapter XXXX Bankruptcy. That Mortgage was transferred back to XXXX, I contacted XXXX Loans to verify this information before contacting the Credit Reporting Agencies and they agreed it should n't be on my report. Both XXXX XXXX and Equifax were reporting it as 120 days late but Equifax was showing a balance due. I filed a dispute with both Reporting Agencies, XXXX XXXX removed it from my report after a week. Equifax did NOT remove it, they left it on my report only removing the Balance Due. When I contacted Equifax regarding this mistake they proceeded to tell me I had to file another Dispute which would take another 30 days. I contacted XXXX Loans again and they confirmed again it should n't be on my report as the Mortgage was given back to XXXX. Equifax is also not updating their system regarding my credit scores, they show a vastly different amounts owed and score than what XXXX XXXX is reporting my credit scores. Equifax reports my credit score as XXXX yet XXXX XXXX shows it as XXXX with vastly different amounts of what I have opened and owed to my current creditors. This is preventing a XXXX veteran from purchasing a home for his family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I submitted disputes with all XXXX credit bureaus on XXXX XXXX, 2015 regarding incorrect information on my credit report. The only response that I received was from XXXX and it was a letter stating that they believed they received a suspicious request regarding information on my personal credit file. I followed up with XXXX and was told to submit another dispute. I submitted another dispute on XXXX XXXX, 2015, addressing the lack of response from Equifax and XXXX and also addressing the letter from XXXX regarding the information I was disputing. I still have not received a response from any of the credit bureaus with regards to the results of their investigations and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian was able to pin point which account was linked to what name variation and address and so was Transunion making it easy to identify Identity theft on my report. 
The Equifax rep was neither willing nor able to identify when or how they came to report the name on my Equifax report e.g. XXXX XXXX XXXX ( wrong ) vs. XXXX XXXX XXXX ( correct ). XXXX syllable seems trivial but it is enough to block a potential creditor from viewing a credit file because the information is inconsistent ... it blocked XXXX from accessing my report. After being on hold for 30 minutes to speak to a supervisor ( total call time 1 hour 09 minutes ). I spoke to a lead named XXXX, the lead for the blue team. I asked for a manager and waited 30 minutes to speak to a lead. After being denied the information from the previous rep, she acknowledged that the name " XXXX XXXX XXXX had been reported since XXXX 2014 '' but would not pinpoint which creditor reported or submitted a request using this name variation. She made no effort to advise how I could fix this issue but rather echoed the statement from the prior rep. I advised that I attempted to dispute this information on line so that I could scan my credentials. She acknowledged Equifax continues to have technical issues. 
In summary : First : Equifax was unwilling to help me identify which company reported the inaccuracy. Had Equifax provided me with this information, I would be able to contact the original creditor and have them correct the information. 
Second : Creditors I want to view my credit report can not do so because of inconsistencies in my report vs what I submit on an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a hard inquiry from XXXX XXXX on XXXX XXXX 2014. I have been a customer of XXXX long time, at least 3 years, and I just moved to a new address and moved my services, and that does n't give them the right to make a hard inquiry on my credit report. I asked Equifax to investigate, and their response was : We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. Ifyou believe this was unauthorized, please contact the creditor. If you have additional questions about this item pleasecontact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX never gave permision to XXXX to place a hard inquiry, when I moved my services. I was not a new customer. 
I need the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax online dispute module reported error message stating unable to process after successfully completing questionaire. (? )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX HAS RE-INSERTED XXXX ACCOUNTS THAT WERE PREVIOULY DELETED BY CHANGING ACCOUNT DATA. ALSO SPLIT MY CREDIT FILES 6 TIMES IN 3 YEARS. 
SCORES AND INFO DOES'T LINE UP WITH XXXX. 

EQUIFAX IN VIOLATING THE DODD-FRANK ACT AND F.C.R.A. FOR THE last time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is conducting false and fake investigation and repeaditly reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with EQUIFAX and properly verify this misinformation immediately. 
2. XXXX is the same. For some reason they are reporting the account as PAST DUE and it has NEVER EVER been late. I would like a full investigation with the HELP of the CFPB in order to validate and verify all information legally. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeaditdly asked them to stop sending me generic and un educated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately as you are ILLEGALLLLLY reporting it! 

I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Equifax. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you XXXX dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
They are asking me to pay money of XXXX dollars to get confirmation number and then open a dispute. 
When I try to call them they direct me to different departments, order, care and complaint. This has been happening for the past 1 year. 
If I try open an online dispute, they say they can not currently process it but ask me to call them and again the same process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this is not mine # XXXX please remove from my report all XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the " VERIFIED ORIGIN '' that is reporting this negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inquiries on all XXXX credit bureaus ( XXXX, Equifax and XXXX ) that do not belong to me.

Company response to consumer: Closed with explanation