vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLACED BACK ON MY FILE ADDRESSES THAT WERE INDEED FRAUDULENT AFTER SENDING ME INFORMATION THAT THE INFORMATION WAS DELETED. ON XXXX XXXX THE FOLLOWING INFORMATION FROM EQUIFAX WAS SENT TO ME STATING THAT THEY HAD INDEED REMOVED AND DELETED THE FRAUDLENT ADDRESSES THAT ARE IN QUESTIONED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX VIRGINIA XXXX VA XXXX. AS EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLENTY OF DOCUMENTS INCLUDING BUT NOT LIMITED TO POLICE REPORTS FROM NC/VA LAW ENFORCEMENT OFFICES AS WELL AS FTC AFFIDAVITS SUPPORTING THAT THESE ADDRESS DO NOT BELONG TO ME AND I HAVE NOT STAYED AT THESE ADDRESSES AND THAT IT IS INDEED FRUADLENT. ON XXXX XXXX XXXX I RECEIVED INFORMATION FROM EQUIFAX THAT THEY ARE REPORTING THE FOLLOWING ADDRESSES BACK TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CLAIMING THAT IM A RESIDENT OF THIS ADDRESS SINCE XXXX WHICH I HAVE NOT EVER STAYED AT THAT ADDRESS AND THE PROPERTY OWNERS AS WELL AS LAW ENFORCEMENT AND PUBLIC RECORDS WILL SHOW THAT IM NOT A RESIDENT OF THAT ADDRESS. XXXX XXXX XXXX XXXX NC XXXX EQUIFAX STATED THAT I WAS A RESIDENT OF THIS ADDRESS AND CAN NOT PROVE ME TO HAVE BEEN AT THAT ADDRESS AND STATED TO ME THAT I USED THAT ADDRESS FOR MAILING AND BUSINESS PURPOSES AND CAN NOT PROVE SHOW ON XXXX THAT I STAYED AT THAT ADDRESS BY AN APPLICATION OR MAIL RECEIVED BY ME AT THAT ADDRESS. ALSO XXXX XXXX XXXX XXXX XXXX IN XXXX VA XXXX EQUIFAX CLAIMED THAT I BEEN A RESIDENT OF THAT ADDRESS SINCE XXXX WHEN IN FACT THAT ADDRESS WAS FRAUDULENT AND CLAIMED THAT I USED THE ADDRESS FOR BILLING AND APPLICATION PURPOSES WITHOUT SENDING ANY PROOF. BUT HAVE DOCUMENTATION PROVING IN THEIR RECORDS FROM XXXX THAT IT WAS INDEED FRAUD AND I HAVE NOT STAYED AT THAT ADDRESS. ALSO THE ADDRESS OF XXXX XXXX VIRGINIA XXXX XXXX THAT THERE CLAIMING I BEEN A RESIDENT OF SINCE XXXX WAS INDEED A FRAUDULENT ADDRESS AND THE INFORMATION FROM THAT ADDRESS IS FRAUDULENT AND EQUIFAX HAS IN THERE RECORDS INFORMATION PROVING THAT I WAS NOT A RESIDENT OF THAT ADDRESS AND THAT IT WAS IN DEED FRAUDULENT. FROM LAW ENFORCEMENT OFFICIALS. WITHOUT PROVIDING ANY PROOF THAT I STAYED AT THAT ADDRESS AGAIN.. EQUIFAX HAS PROVEN TIME AND TIME AGAIN THAT IT WILL CONTINUE TO VIOLATE FEDERAL LAWS UNDER THE FCRA AND REINSERT INFORMATION THAT WAS DELETED AND CAN NOT BE PROVEN EVEN AFTER RECEIVING INFORMATION IN THERE FILES FROM LAW ENFORCEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed a collections account on my XXXX credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. Equifax is also reporting this account, but on my Equifax report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that XXXX has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called XXXX last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XX/XX/XXXX. Please help. This is extremely urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had some issues with my credit report and a gang of inquiries appeared on my credit report. I followed due process with both creditor and bureau providing affidavit and police report XXXX XXXX & XXXX QUICKLY complied. Equifax keeps rejecting it in spite of even failures to validate WITH PROVIDED PROOF. I 'm really frustrated with this process and those inquiries are STILL hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whome it may concern I have contacted eqifax enguards to a chapter XXXX acct, an bankruptcy which has been asked to verify an velidate with complete proof of claim in which they have failed to do so, I have also contacted the courts for such information to know XXXX .would you please XXXX me an obtaining closer in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a credit monitoring, last month Equifax, XXXX and XXXX were reporting, in XXXX, XXXX and XXXX are reporting but Equifax has no data, I have well over 30 years of credit, So I bought my credit report and score to compare what the credit reporting agency, and the bureaus have I bought XXXX and XXXX credit report and score but on XX/XX/XXXX I tried to purchase XXXX credit report and score and told to contact customer care, I did and they tried to get my credit report and score, so now I have been charged XXXX and told there is a problem with my report send my ss card and drivers license I did and got back an e-mail stating everything is fine, so I tried to purchase again on XX/XX/XXXX I was billed XXXX XXXX again, and no report, they said I needed to answer some questions I did, and the said it is fixed, so on XX/XX/XXXX I purchased again XXXX on the computer and XXXX from a customer service rep still I can not get my report, I paid them XXXX XXXX times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have contacted Equifax several times, both in writing and by phone, to ask them to correct the personal information they have on file for me. ( Equifax has me with a " XXXX '' at the end of my name, and I am not a " XXXX ''. ) I have sent them proof of my identity and proof of my address several times and I keep receiving the same response stating that what they have on file for me does n't match the information they have. So when I call to try to update my information by phone their representatives tell me that they ca n't help me. I 'm not sure what else I can do but I really need Equifax to update my information and send me the results of the last XXXX disputes I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Account # # XXXX. 
After a thorough review, it 's my understand per the attached correspondence from XXXX dated most recently, XXXX XXXX, 2016, that pursuant to the request of XXXX XXXX, 2016 ; Equifax was advised to correct the records to read as, '' closed due to bankruptcy, paid in full or paid as agreed ''. As such, as you can see from XXXX correction of XXXX, 2016 via the CFPB, that the corrected status based on standardized credit reporting codes are simply ; Closed, paid as agreed/paid in full ''. 
The creditor in reference here, is not reporting your coded " In Payment Plan ''. In fact, the attached written reply from XXXX ; confirms that XXXX was never included in my bankruptcy, notwithstanding that said bankruptcy was discharged on XXXX XXXX, 2016. 
Please correct/delete the above mentioned agency adverse reporting with immediate effect. 
Please confirm this correction in writing. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have XXXX accounts on my credit report. They both should have a XXXX balance and they do not. XXXX is XXXX, I have asked equifax for over a year to investigate they keep coming back with their information has been verified and is correct. It is not correct. The XXXX account is XXXX wireless which I have been fighting them for almost a year as well, and that account has a XXXX balance. I have asked for the method of verification and they do not provide that information. Their results for their investigation comes back within days so it is impossible for them to verify within that time frame. They need to remove the accounts from my credit report. This has gone on far too long and is keeping my credit score low because of XXXX. That is causing damage for me to refinance my house. Equifax is not able to provide accurate information and the public should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I have repeatedly contacted this company to get them to verify that this account was mine. The information they sent me does not have my name, address or other information on it. They have violated FDCPA rules in debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is an address on XXXX credit reports that belong to another person. Never was my address. It is the XXXX, PA address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 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. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, Equifax , and XXXX. They did not do a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have contacted Equifax in the past. I have a loan with XXXX XXXX opened on XX/XX/2014. This loan has never been late. And is paid 3 months in advance. They have this loan reporting as never paid in Bankruptcy. This is not correct. Even the creditor has contacted them to try to get this information corrected attached is a copy of a lett from XXXX XXXX. The information need to be corrected. its been 4 months and many long hours and nothing fixed. I need assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax reports the following accounts in my name as collection/charge offs. I do not have accounts with these creditors and I 've repeatedly stated that I was not working in this country since XXXX 2003. These accounts are not mine and may be the product of identity theft. It does state that consumer disputes the accounts but this has been labeled for quite some time. 
XXXX XXXX $ XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by CREDCO on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. CREDCO 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. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE CREDIT REPORTING CONFIRMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. I SPOKE WITH XXXX FROM EQUIFAX ON XXXX/XXXX/2015 AND XXXX AND SHE VERIFIED THAT THE ACCOUNT # XXXX WITH XXXX XXXX XXXX XXXX HAS BEEN DELETED FROM MY CREDIT REPORT, BUT SHE DID NOT SHOW A SPECIFIC DATE OF DELETION. SHE STATED THAT SHE DOES NOT HAVE A SPECIFIC DATE FOR DELETION, BECAUSE IT HAS ALREADY BEEN DELETED. WHEN I VIEWED MY CREDIT REPORT, I NOTICE THAT THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AND I NEED FOR EQUIFAX TO SEND ME A NEW CREDIT REPORT WITH THE ACCOUNT # XXXX SHOWING DELETED FROM MY CREDIT REPORT. IT IS NOT RIGHT THAT THIS COMPANY CONTINUES TO REPORT INCORRECT INFORMATION TO MY CREDIT REPORT WITH CONTINUES TO DRIVED DOWN MY SCORE AND DAFAME MY CHARACTER HAS A RESPONSIBLE INDIVIDUAL. IT IS THEIR DUTY TO PROTECT CONSUMERS, AND I DO N'T FEEL AS THOUGH I AM RECEIVING THAT PROTECTION.

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

Complaint narrative:
The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. 
However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 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 never lived at XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX PA XXXX. Someone used my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complain because Equifax has ignored my request to provided 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 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - 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