vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed the following accounts with equifax numerous times and despite my efforts they still continue to report. There investigations results are that the accounts have been verified as mine but they have yet to furnish proof of this. They informed me to reach out to the 3rd party collection that was reporting the accounts. I contacted them and the gentleman was extremely aggressive and began to yell at me for questioning the validity of the debts. I am at the end of the line and the negative reports of these accounts which do not belong to me are affecting my ability to obtain employment. I have attached a copy of my Equifax credit report reflecting the accounts. Below I have also listed them : XXXX XXXX XXXX : Account # : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is XXXX same account ( XXXX ) which is listed on my Equifax credit report three times. This fraudulent account belongs to my daughter XXXX XXXX and not me XXXX XXXX and I am asking for this account which is on my credit report 3 times to be removed immediately. I have attached a notarized letter from my daughter informing XXXX as she has before that I have no affiliation with this account. I did not reside at the address on there application nor did I sign. I have also again attached my signature and ask for the immediate removal of the fraudulent debt. This debt has been on my reports since 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
yesterday i looked at my credit report and noticed that there was hard inquiries placed on my account that i did not authorize. I have sent letters to the companies asking for verification and they have decided not to answer this in the 30 days permitted by law. I called equifax and and asked to speak with a special fraud agent in the united states about the account,. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less ). I finally spoke to a representative and he claimed that he would remove them if i placed a lock on the account which i was very in favor of. The lock was not added and the accounts are still there

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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 tried numerous time disputing hard inquiries with Equifax. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Equifax with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Equifax refuses to delete them from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification through my credit monitoring service that my Equifax scored had dropped XXXX points. I checked my report and saw no negative chnages to my report. In fact my balances had decreased and I have no new inquiries. I called Equifax on XX/XX/XXXX and was told that there were no changes for my score to drop that much. Then I was asked if I had recently submitted a dispute and I said that I had. The rep I spoke to told me that disputing an item can drop my score. I was not aware that as a consumer I would be penalized for disputing an error on my report. The customer service rep could not give me additional information regarding this. My call was recorded by them and it can be referenced as proof that this is the reason why my scores dropped so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX account has sent to collections an amount of approx {$140.00} from approximately XXXX XXXX ... because in XXXX of XXXX I upgraded my 15+year account with att ( phone & internet ) & the company - for reasons unknown to me, created a new account number. I continued to pay $ $ on the old account # for several months, not realizing a new # had been created. After several months, i realized what was happening & contacted XXXX XXXX XXXX to resolve the issue & transfer all $ sums that had been applied to the prvious acct number to their newly created acct # ... subsequently, I had several telephone conversations with customer service as well as XXXX XXXX XXXX accounts Receivable departments because THEY did n't get it corrected ... finally I was assured by XXXX XXXX XXXX reps that the accounts were reconciled and all payments to the previous account were transferred and applied to the new account #. This activity transpired between XXXX XXXX & XXXX XXXX ( or XXXX XXXX ) ... 
From that point on, I continued making payments on time to the correct XXXX XXXX XXXX account and am currently up to date ... .however ... apparently the employees at XXXX XXXX XXXX do not correspond and or communicate account activity & that they had rectified the " past due '' pmt issue on the old acct. so in the XX/XX/XXXX I began receiving telephone calls from various numbers ( the collections agency people ) about this so-called past due account ... during the first several calls, I attempted to tell them that this account was in fact paid up and current, and that I had had MANY conversations with XXXX people to ensure this ... but the calls continued ... because they do n't listen to me. I am paid up on that account. The Collection was created, because of inept employees within XXXX XXXX XXXX not communicating and/or appropriatly documenting the events in the case. I therefore deny the validity of the Collections claim. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
My wages are being garnished for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had closed my account with XXXX due to purchasing a home and moving addresses. XXXX stated over the phone that there was no balance to be paid and my account was in good standing. XXXX then opened up a new account unbeknownst to me, never sent me a bill and closed the account a few month later. According to the debt collection agency who purchased the fake debt, XXXX sent me a letter in XX/XX/XXXX to the old address that I had not lived at for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed an account XXXX XXXX XXXX with Equifax and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Equifax simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Equifax to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As I have informed Equifax , I have an account on my credit report, XXXX account receivable. cadillac agreed to removed from my credit report once paid in full. It has been paid in full. it has been deleted from the other two credit agencies but I am having issues getting Equifax to remove. I have told Equifax they can call XXXX who is my representative at XXXX account receivables and he will back up everything I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.

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 — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I joined an all women 's gym. They closed the location moved it to a farther location and made it a coed gym. Did not want a coed gym that 's why i joined. I disputed and closed my account. And now i see it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have sent numerous supporting documentation to Equifax in regards to fraudulent and unauthorized accounts on my credit report that do not belong to me. Equifax continue to disregard and refuse to look at the supporting documentation for proof that the following accounts do not belong to me : XXXX, XXXX, XXXX XXXX XXXX and MN Child Support Enforcement. I continue to get the same response over and over from Equifax which is, we have verified the item belongs to you, despite supporting documentation that is proof the fraudulent accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked for my yearly credit reports from XXXX XXXX XXXX, XXXX Equifax online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and Equaifax stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with Equaifax, and they will not even let me see my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A person in a womans voice called to confirm timeshare information for mr son XXXX who happens to be only XXXX years old and can not give consent for anything. This person called from a XXXX number in NC at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from them stating that a judgment has been entered against me XX/XX/XXXX for {$7000.00} from XXXX XXXX XXXX which was part of a settlement of bills that were paid from a car accident I sustained XX/XX/XXXX. The attorneys were XXXX. The letter said that failure to comply will result in my arrest and incarceration. I also had a levy placed on my checking account and {$2500.00} plus {$120.00} legal fees were deducted from it. the letter states that I owe {$7000.00}. My checking account is now in a negative status. I have never been contacted by this firm before nor was i ever given proper notice about this bill. I tried to contact them today over the phone and spoke to XXXX at XXXX who is a paralegal who was rude and gave me no information on my account. She tried to manipulate me and then told me to have an attorney contact them. I then emailed them at their website to find out what is going on and to have them immediately contact me about this. I am distraught and completely outraged that this bill XX/XX/XXXX that I had no knowledge of was filed without my knowledge and my money was stolen from my bank account. I am filing a complaint because I want my money back and I want this firm held accountable for their deceptive practices. I am currently dealing with XXXX and am devastated by this and I need to focus on getting better but can not because I have no bank account nor can I pay for my rent or food. Please help.lThanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Attorney General Office of Texas : XXXX attorney generals XXXX office is reporting payments past due from XXXX of 2014. As of that date there was a change of custody and I am now the custodial parent and receive XXXX instead of pay XXXX. There was a delay in filing the documents by the attorney and I was assured the matter was resolved, but XXXX and Equifax continue to show a past due & open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I am disputing incorrect information on my credit report. The credit reporting agency let me log into my account ( using the same information I provided ) and then would not let me dispute it ( using the same information I provided ) because they said it did not match. I entered the information exactly as it appears on my government-issued driver 's license. I do not have a fax to fax them things and am not going to pay to correct THEIR PROBLEM. I get sick of correcting things non-stop on my credit report and want an actual telephone number to speak to a person. I am not going to continually expend resources to correct their problem. Here are the accounts that they are incorrectly reporting:1. XXXXType : Student LoanAccount number : XXXXaccount holder : Individualdate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
2. XXXXType : student loanAccount number : XXXXAccount holder : Individualdate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXXType : student loanaccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXX XXXXType : student loanAccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
So I got all of this information from my online Equifax credit report, which they let me see but not dispute. I am not going to spend one dime fixing this problem. I get sick of doing it continually.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent in an Identity Theft report stating that accounts were not mine. The credit bureau refuses to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

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 — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX funding is currently reporting an old XXXX collection account 120 days late as of XXXX 2015 on my credit report. I have never made a payment on this account with XXXX therefore i can not have a payment history nor did I sign a contract with the original creditor. I called midland to dispute this information and I was told they do not report as late on credit report. I disputed the inaccurate information with Equifax and equifax said that XXXX validated the information. XXXX and equifax refuse to move the 120 day late on XXXX 2015. I have been back and forth with XXXX and Equifax and neither are helping. It is my understanding that collection agencies are not allowed to report monthly late payment history therefore I would like this deleted from my credit report because it is inaccurate. I would like XXXX and Equifax to provide me with all documents relating to this account, all payment history, original contract and NOT use the XXXX verification process as it is not detailed. I am attaching files showing that XXXX did indeed report the lateness andit is not accurate. This has been causing me numerous problems and I would just like to get it settled

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.

Company response to consumer: Closed with explanation