vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed XXXX with equifax three times, they have a balance on the account of {$280.00} for my old card and {$170.00} for my husbands, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later kay jewlers put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is illegally reporting to my credit report affecting my credit report and score THIS IS NOT MY ACCOUNT please help me get this account remove asap ( according to FCRA 30 day full investigation should take place )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are a series of unverifiable items on my credit report that need to be removed asap. It is affecting and impeding my ability to borrow. 

I have attached the letter that I have sent via FAX to the XXXX with the complaint.

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

Complaint narrative:
I attempted to go through the dispute process with Equifax regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the Equifax and XXXX dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by both Equifax and XXXX. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, I am having a harder time getting this erroneous matter off of my credit report than these corporations have getting them on my report. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Sullivan Asset Management, LLC
State: TN

Complaint narrative:
Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with XXXX XXXX a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his XXXX at XXXX XXXX and the true company Sullivan Assest Management has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his XXXX XXXX XXXX and refused to give his address or contact information. I was informed to call XXXX XXXX, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is Sullivan Asset Management and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about $ XXXX {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed inaccurate credit inquiries on my credit report with Equifax. Equifax states that they are a statement of fact and can not be deleted. This is a clear violation of the FCRA, as law states the burden of proof rests with the credit reporting agency, not the consumer. I demand the following items be reinvestigated and if no proof exists that they belong to me, i demand they be deleted immediately. 
Equifax Credit report # XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX XXXXL XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Failure of the CRA to respond in a timely and lawful manner will result in immediate litigation.

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

Complaint narrative:
On XXXX/XXXX/16, there was a HARD inquiry listed on my Equifax report indicating that XXXX requested my credit report, HOWEVER, I NEVER applied, or requested any credit or any other product with XXXX. I disputed the inquiry with Equifax and received a response on XXXX/XXXX/2016 indicating the inquiry was factual. I contacted XXXX for details on who/why my credit report was run, and they indicated that they DID NOT run my credit and that they do not have any information showing that XXXX ran my credit. I sent Equifax the letter from XXXX indicating that they did not know the origin of the inquiry and Equifax refuses to remove the inquiry.

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: MA

Complaint narrative:
I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has reported XXXX x Hard Inquiries by the same company on my credit within a 30-day period ( XXXX was XX/XX/2014 and one was XX/XX/2014 ). Experian and Transunion had the same information on my credit and once I called them, they both removed the XXXX hard Inquiry due to the fact that if there are XXXX Inquiries by the same company within a 30day period, it should only count as XXXX. I was told by both XXXX and XXXX that this is a regulation put in place and all XXXX credit agencies abide by the same rules but when I called Equifax, they said that within 30-days means it has to be in the same Calendar month and not actually within a 30-day period. The XXXX people I have contacted both spoke somewhat broken English and when I tried to explain to them that within a month means within a XXXX day period and not actually the same calendar month, I was told that I 'm wrong ( even though the other XXXX agencies agreed with me and removed the Inquiry ) and that unless its in the same calendar month they wont remove it for me. I have called them several times and spoke to XXXX different supervisors and they both refuse to help me with this. Is there anything you can do to help me? I was told by both other agencies that I was correct and the XXXX Inquiry was removed immediately. 

Thank you in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax refuses to adjust the account with State of Oregon Child Support, account # XXXX, from what is currently showing as a monthly payment amount of {$2800.00} to {$0.00}. The correct monthly payment amount is {$0.00}. Equifax claims that it has verified the monthly payment amount, but this is not so. The correct monthly payment amount is {$0.00}, and not XXXXXXXX has refused three times to correct this. See below, which I have cut and pasted from the State of Oregon Child Support Payment History web page : Payment History Log Out Print this page Help : Case Status Definitions Help : Case Status Definitions Obligee : XXXX, XXXX XXXX Obligor : XXXX, XXXX XXXX Case Number : XXXX Court-Ordered Amount : {$0.00} Case Balance : {$1200.00} If you were expecting a tax payment and have not received it, go to Holding Tax Payments. 

If you are a title or escrow company, please contact the Program 's Title and Escrow Assistance Desk for the total owed on a case. 

Pending Payments : {$0.00} Enforceable Balance : {$1200.00} Status : Judgment Office Information : DIVISION OF CHILD SUPPORT XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax deleted then re-inserted a collection account that is not mine. 

Please see former complaint. I will copy and paste the info for your review. 

Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX account XXXX has been deleted from the credit file. Written confirmation has been mailed. 
Relief XXXX account for XXXX XXXX XXXX has been deleted from the credit file per the credit grantor. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit recently and found these inquires and none of them are authorized by me. I sent letters to all XXXX credit bureaus asking them to be deleted and nothing has been done. 

1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity was stolen a few years back and I just learned that there are still a lot of hard inquiries and accounts on my credit that are n't mine. I had filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is reporting a collection account on XXXX XXXX, 2016 on my equifax credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to remove a waived/recorded tax lien release when XXXX and XXXX have promptly done the same. The tax lien release was released under the IRS Fresh Start Program, intended to give tax payers a " Fresh Start '' and ability to clear their credit report. Equifax 's actions are inconsistent with the IRS program and seem to be a rogue agency, inconsistent with others in the industry and may violate my rights. I understand they continuously refuses to delete these types of items for consumers. I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus Inc is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc.
State: MN

Complaint narrative:
I visited the Lending Tree website and clicked on a link that said " view your free offers ''. I entered name, address and supposedly my last XXXX digits of my social ( per lending tree ). At no time was I told I was applying for a loan or my credit would be run. I am now getting tons of emails and call re : my loan application. I DID NOT apply for a loan or give permission to run my credit. Sent XXXX emails to lending tree customer service with no response. Called today and was told that at very bottom of the page there is a terms and conditions link. This is unacceptable. At no point did there site say ... loan application. There has been several hits on my credit report ... ..and I did n't apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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 provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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