vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response back was that they do n't have any information that pertains to me or my ssn. They also state that they do not supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail showing that this was in fact not my account and requested that they remove this account. They have yet to update my credit they fail so far to remove this account and experian wont allow me to dispute anything else with their company. I have went to my local police filed a report about my identity theft like the credit bureaus have asked me to do. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case. 

I have attached the second letter I have sent them and a copy of my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A debt collector by the name of XXXX. Is trying to get {$190.00} for a XXXX accoung I have never had. I have not dealt or had business with XXXX in over 10 years and even then never owed or received a bill for {$190.00} ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 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:
On the Equifax.com website they present the end user with security questions in order to access the annual " free '' credit report. For example " Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security " test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their " member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search " Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, have incorrect information in the credit files of XXXX and XXXX XXXX identical twin brothers, creating violation of the fair credit aact and fair transaction act causing adverse decision in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I open a secured credit card with XXXX XXXX Bank XXXX of the XXXX XXXX. I loaded my money onto the card paid my bills. I never received a statement in the mail on how much was my bill for the next month. When I checked my credit report I see that Equifax lowered my credit score by XXXX points. For a late payment that was never late in fact XXXX XXXX bank took the {$25.00} dollar late payment off my statement because of the mistake of never sending me my statement. I would like for Equifax to give back my XXXX points because I was not at fault. I am providing the statement so Equifax can see for themselves and make the change on my credit report. This happen on XXXX you will see the Refund of Late Fees on this report. To prove that there was nothing at fault on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CORELOGIC INC
State: SC

Complaint narrative:
Lately I 've been monitoring my credit report, and out of nowhere I saw that my score had dropped XXXX points, which really discouraged me because I 've been trying to pay my bills on time to have my score in a good standing point. I looked for further details on why my score dropped and it was because CREDCO pulled my report. I 'm not familiar with this company, and I 'm not even located in XXXX XXXX, XXXX, im located in XXXX. I then took action and sent them a dispute letter, for them to remove this item because they are violating the law by having no permissible purpose on pulling my report. 2 weeks later they sent a printout, which i will attach, basically saying they had a permissible purpose, and that someone that I have no knowledge authorized them to pull it from my report. I then sent another letter demanding them to remove it, and today on XXXX/XXXX/15 they sent me the same printout, which is far away from proving that i authorized them to pull my report. Even after i told them I have no knowledge of this company, they still did not delete this off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to have my credit report updated and the judgement removed from my report as it has been satisfied/paid in full. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX mortgage company has reported that the mortgage on our home is " due '' and delinquent for {$990000.00} -- - which is the mortgage on our home. We have a 15 year mortgage with this loan. We have been in dispute with the mortgage company for over a year now because the mortgage company has " misapplied '' funds that we paid into the mortgage and first placed them in " unapplied funds '' and then placed them in principle when they should have been placed in " escrow '' to pay the taxes. It has all been documented and shows how we have paid our mortgage " on time '' every month but when the money was received, it was applied to the wrong area. In the meanwhile, the escrow account was deficient by the same or similar amount as the " unapplied funds '' had overage. The credit report should have looked at the account before reporting that such a large debt was due. My personal credit AND my business credit is so low that I was not even able to apply for a business car loan. My past credit scores have always been in the XXXX 's and XXXX 's. This is not " usual '' of my character to have a " ding '' on my credit like this. Since the credit scores went so low, my business is unable to be approved by XXXX separate government contracts. Thus, I have been personally and financially harmed from the credit bureau 's lack of adequate review into my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Incorrect name on report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: IL

Complaint narrative:
I used Equitable Acceptance Corporation to consolidate my federal student loans and apply for income-driven repayment. The company misled me into making monthly payments directly to them, saying the payments were going towards my student loans. Additionally, this " loan '' from Equitable Acceptance Corp. is being listed on my credit reports as a Credit Card. There services are false, misleading and a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Bank is a Fraudulent account that was setup as a result of id theft. I contacted both XXXX XXXX Bank and Equifax to notify them of that and ask they block it under the FCRA Section 605B and 623 ( a ) ( 6 ). Equifax responded it was deleted from my Equifax report, it however has now reappeared on XXXX and is stopping me from getting a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these accounts nor did i use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc
State: TX

Complaint narrative:
I was contacted by a company who claimed to be consolidating my student loans. This company claimed to be working on my loans which were previously handled by XXXX XXXX and transferred to XXXX. To my knowledge it was explained to me that they were handling the consolidation as a third party through XXXX. This company was the XXXX of XXXX separate companies claiming to consolidate my student loans. They scammed me out of {$510.00}. The Name of the company is National Budget Planners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed XXXX public records on my Equifax that have been deleted through my XXXX and XXXX. I provided all XXXX the same information and Equifax is refusing to delete stating that it must remain for 7 years. If that 's the case, then why did XXXX and XXXX delete them? I am trying to purchase a home and I need to have these matters resolved and it seems as though they are very unwilling to assist in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
2 weeks ago I called Equifax to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I been pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am in receipt of the attached Equifax report number XXXX, dated XXXX, and discovered the following reporting problems which Equifax is placing the blame on XXXX XXXX : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, XXXX is listing on the report does not provide contact with XXXX but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 
3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XXXX? Where is the data and why was this reporting information being withheld from Equifax? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the Equifax , credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from Equifax. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I went into XXXX without insurance in 2012 for what I found was a muscle spasm. I was discharged the same day and received a bill for {$560.00} from XXXX XXXX XXXX ( original creditor ) for their emergency services. My family was financially unable to pay that account and the account became delinquent and was reported to collections. XXXX XXXX XXXX ( original creditor ) also had charged me for the XXXX visit since their physicians were not employed by XXXX. I never received a bill from them nor did I know they would impose an additional charge for my visit. Because I did not know about this account, it was sold to a collections agency and has been sold back and forth multiple times. This makes it extremely difficult properly address the agency that owns that debt. Back in 2012 I was not properly informed of XXXX 's financial assistance program ( for which I would have undoubtedly qualified, as I presently qualify ). I recently applied for financial assistance with XXXX and was approved for full assistance. They removed all responsibility for the amount owed. Under XXXX policy and Federal guidelines, adjustments made as a result of financial assistance are also applicable to amounts billed by partner companies, such as XXXX XXXX XXXX. I tried contacting XXXX XXXX XXXX to inform them of this adjustment, however they were unable to provide any assistance since they no longer owned the balance I previously owed them. As stated, it had been sold to credit agency after agency. It is my aim to remove the unpaid status from this debt of {$570.00} through the presentation of XXXX 's charity letter and adjustment sheet attached. I would also like to remove both negative information entries originating from XXXX and XXXX XXXX XXXX as delinquency arose from unfamiliarity with hospital policy and financial instability ; not neglect or indifference. 
Having both of these accounts show up on my credit reports has been financially distressing and emotionally stressful. As a recent graduate I am eager to join the consumer market and build my credit. This incidental information has deterred progress toward building my creditworthiness but I have been persistent in obtaining credit through federal loan programs and other minor credit lenders. I ask that CFPB review the attached documents and settle my dispute fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My family,XXXX, all filed with the XXXX credit reporting agencies at the same time for a credit report. The others in my family got all XXXX credit reports. I got XXXX reports. Equifax refuses to send me my credit report. I have contacted them more than once. They state they want photocopies of such things as my drivers licence etc. The other XXXX agencies gave me my report. Equifax has some sort of credit report on me, but refuses to let me see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company response to consumer: Closed with non-monetary relief