vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
We request that the XXXX reporting agencies block negative credit information reported on our credit reports due to Identity Theft. During XX/XX/XXXX and XX/XX/XXXX, XXXX ( XXXX ) credit cards with small credit lines of {$300.00} to {$1000.00} were fraudulently opened in my name with my information and were maxed out and abandoned. 
In that we rarely use credit, we did not know about these credit cards until we obtained our car loan XX/XX/XXXX, at which time we received our credit report for the first time. 
We reported that these were fraudulent cards and that they should be blocked on our credit report. 
In that we are planning on getting another car loan in the near future, I requested copies of my credit reports and see that these items are still on my credit report. It is clear when reviewing our credit report that we have credit cards and an auto loan from a long time before XX/XX/XXXX/XX/XX/XXXX and since that time which have always been handled as a agreed with very few late payments. Only the cards that were issued without our knowledge have not been handled as agreed and were charged off. The fraudulent cards inappropriately reported on our credit report do significant damage to our credit score. 
We request that the XXXX credit reporting agencies immediately block these fraudulent cards from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a letter from XXXX on XX/XX/XXXX letting me know that they had asked the XXXX reporting agencies to " delete the account ( s ) from your credit report. '' Good deal -- that 's what I had requested of XXXX. XXXX and XXXX quickly complied with XXXX 's request. EQUIFAX would n't delete the account even though I disputed it twice in XXXX and XX/XX/XXXX and sent the letter from XXXX to them twice. I need help in getting EQUIFAX to comply with XXXX 's request to delete my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Back in XXXX I disputed information about a Tax Lien that was EXPUNGED. That information has now re-appeared on my report showing satisfied or paid which is FALSE, INACCURATE AND FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing XXXX loan companies that have used my information without my authorization. XXXX XXXX XXXX has issued a loan to someone who is not me in the amount of XXXX. XXXX XXXX XXXX issued an unauthorized loan in my name for XXXX. I have never received any monies from said companies nor have I made any payments towards the fraudulent loans. Neither of those loans are authorized by me. Despite numerous correspondence, Equifax continue to list the fraudulent accounts on the credit report. I have provided sufficient evidence that I have a victim of identity theft ( Victim 's copy of police report, Identity theft affidavit, XXXX XXXX XXXX statement proving that the loans was sent to a FRAUDULENT account in my name ). I have opened several disputes with the Equifax company to no avail. XXXX and XXXX have both removed the fraudulent loans. Any assistance with this matter will be greatly appreciated. Please forward any documentation requests you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This credit bureau has reported me from everything as dead to having an incorrect social security number.I have had the same ss # for XXXX years, I assure you I am quite alive. I receive my social security check every month. The other XXXX bureaus no I am alive.I have sent copies of my drivers license, social security card, security officer license and a XXXX from last years income tax report.They responded with an incorrect report with wrong name, wrong credit report and wrong ss # .I hope to reach someone with a brain to straighten this out.My name for XXXX years has been XXXX not XXXX and my ss # has ALWAYS ended in XXXX not XXXX.my email is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Creditor is reporting past the terms allowed. Dates were change after each dispute to justify longer terms on a close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I tried to dispute it with Equifax and XXXX but they XXXX put up a wall and made it so I could really not get into contact with them. I suspect like XXXX, they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all XXXX credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Have spoke with XXXX on several occasions, this bill occurred after equipment was returned to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: MA

Complaint narrative:
The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
LETTERS SENT TO VARIOUS CREDITORS ON XXXX2015 AND NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied at XXXX for a bank checking, coming up not bad but there was an item on Equifax for XXXX unpaid to XXXX XXXX bank, I have never used them in my life. 
I went to XXXX XXXX bank and they looked all over new and old records with my name etc. 
they found no account for me no business dealing at all, they call midflorida on this and told them there must be a mistaked so midflorida gave me the accout.and said to make a report to you and ask to have this removed asap it is lowering my credit report to much. 
I am sending this info to help me., thank you in advance XXXX XXXX XXXX, fl XXXX ss. XXXX XXXX is the bank that gave me the credit. date of birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was the defendant in a civil case in which I counter-sued. I won the final case, and was awarded a judgement against the plaintiff. Equifax simply saw a judgement and me as defendant, and reported the judgement as against me. I disputed the error on my report, and even included copies of the final judgement with my dispute. I 've double and triple checked with the clerks office as well, and they assure me that their office is correctly reporting the judgement as in my favor. Still Equifax refuses to look past the initial glance at the judgement, claiming this is indeed a judgement against me. This despite the available public records showing that I 'm the one owed money, and my copies of the court papers that I actually sent them. I 've been told that I can have the judgement marked as in dispute now, but that the error will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On my credit reports it is showing XXXX different company names XXXX and on the other FINGERHUT/WEBBANK. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XXXX/XXXX/12 and the other is showing XXXX/XXXX/12 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, XXXX, AND EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting XXXX account number XXXX which is a fraudulent account which belongs to XXXX XXXX, not XXXX XXXX. I am attaching a letter from XXXX XXXX acknowledging the debt is hers. I am attaching my XXXX XXXX mortgage document for my previous residence of XXXX XXXX XXXX XXXX , which has my signature and the date in which I resided there. I am attaching my property tax document for my current address which shows the date in which I started residing at my current property XXXX XXXX XXXX XXXX. I have resided between the XXXX and my current XXXX XXXX XXXX XXXX residence exceeding 15 years. I did not have any affiliation with the address on the XXXX application, DID NOT SIGN and was not aware until seeing on my credit report. I have also attached an incident report from the XXXX XXXX PD. Also, I ask that I please have an extended fraud alert applied if not already there, I know I had one. I am attaching XXXX XXXX application page with the fraudulent signature which can be compared with my XXXX XXXX 's mortgage page.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was victim of ID theft back in XX/XX/XXXX-XX/XX/XXXX, where my pre-existing credit cards incurred fraudulent charges and new loans were fraudulently acquired in my name as well. I was in the XXXX during this time and upon my return found out about the issue. 
Pursuant to the FCRA, I filed a police report and reported the issue to the Federal Trade Commission, both these institutions investigated the incident and declared me a victim of fraud and ID theft. 

I wrote to the bureaus, provided them copies of the FTC ID theft report, fraud Affidavit and the Police report, with which they were to block the fradulent information within 4 days of receipt of my correspondence. Experian and Transunion duly complied. Equifax flat out ignored my request and continues to violate the FCRA by persevering with reporting the fraudulent information. I have attached the excerpt of FCRA 605B that states the credit bureaus are to BLOCK fraudulent information within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have been sued by Pressler & Pressler and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had this issue on and off for years. My report can not be accessed by myself or creditors. I called the public affairs department and they tell me they do n't see an issue. I do n't know what to do - right now I ca n't get insurance because they company ca n't access my Equifax report. When I have called/complained to the CFPB previously, they fix it but the fix only lasts a month or XXXX. I need to be able to consistently access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been disputing public records and tax liens with Equifax for three months and they have little to no reason why the records have n't been removed.. I spoke with XXXX the Supervisor on in XXXX and he guaranteed me that the investigation would be completed in thirty days..I waited the allotted time to get a response from the credit bureaus..I called back in XXXX and I spoke with an agent who said, the company did n't show any record of a dispute.. I was advised that they would have items sent out again asking the creditors to verify items being disputed..I called back on XXXX/XXXX/2016 and no results and I even provided the confirmation number that I was given, not in the system ... I sent over a fax and a certified letter demanding these items be deleted .I called to followup on XXXX/XXXX/16 to see if the documents had been received, XXXX representative told me that the documents were n't legible and I had to resubmit everything..so, he advised me to let him dispute the items again..I did n't agree for him to resubmit an investigation that should have been completed four months ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax provided a credit score to multiple financial lending companies and specifically reported a score to XXXX on XXXX XXXX, 2015 that was XXXX points lower that the credit I received directly from Equifax. They provided a score of XXXX and I have specific documentation related to that incorrect reporting data. In addition, I have additional request prior to and after that data error reporting incident in which this particular reporting agency adjusted dramatically the credit score. In effect, they are adjusting arbitrarily a consumers credit score without regard to the outcome of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I left the XXXX, XXXX address in XXXX XXXX and sold the XXXXXXXX address in XXXX XXXX when I exited the XXXX. I do not understand why addresses that are over XXXX years old are still on my Equifax credit report and not my most recent addresses? Please correct to reflect my most recent addresses : XXXX Deer XXXX XXXX, XXXX XXXX, XXXX XXXX - OWN/purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX I purchased my second home to escape the noise in apartment living. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting an account with XXXX in the amount of {$280.00}. They have failed to provide me with the documentation that was used to verify that this entry is correct. Equifax has repeatedly re aged this account when in fact it should have been removed in XXXX 2015. This is not the XXXX time that Equifax has reported inaccurate information and has failed to fix tge problem in a reasonable amount of time. I want the actual documentation that was used to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX B XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.

Company response to consumer: Closed with explanation