vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX agreed to remove collection from file if I paid bill in full. They agreed to report it to all XXXX Credit Reporting Agencies. XXXX and XXXX removed with no issue in 7 days. Equafax refuses stating that they have recieved no such request. However, they lowered my score because I paid debt. I also paid off auto loan and personal loan. XXXX and XXXX both show correctly. Equafax does not. Equafax lowered my credit score for paying both loans off and used excuse that deliequent bill caused problem. I gave Equafax all info including email on XXXX telling them to remove bill. Equafax refuses. This should be illegal to do harm to someones credit for paying off loans and Bills. Also, persons on phone are outsourced to XXXX and had difficulty understanding my issue. Person became angry when I requested they correct their error. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 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:
Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

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 — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. 

Also, I have attached my latest email to Equifax for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
1 year ago I disputed XXXX XXXX XXXX transaction that appeared on my credit report Equifax had finally removed it XX/XX/XXXX. As of XX/XX/XXXX they have added back to my credit report and that it was behind 150 days and dropped my rating XXXX points. I have no contract with this company and would like it to be removed. Further more I would like Equifax to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a phone call XXXX about a traffic citation that occurred in XXXX XXXX Florida XX/XX/XXXX XX/XX/XXXX. The citation # issued that date XXXX. That is exactly XXXX years, XXXX months, and XXXX days from today. I never received a notice in the mail XXXX about this debt, but yet the company placed erroneous information on my credit report. I paid all of my outstanding tickets XXXX which allowed me to have a valid FL Drivers license and has been active for more than XXXX years. XXXX XXXX never submitted to me anything in writing about the debt and have not validated that the debt actually exists. The XXXX XXXX XXXX XXXX XXXX Court does not issue any licenses without paying outstanding citations. I do not owe the XXXX XXXX XXXX XXXX Court for any citation nor have I been notified of any outstanding debts from them. All debts have been satisfied. XXXX XXXX only reason for reporting this information to the credit bureau is to discriminate against people of monority descent. We ask that you intervene and request that XXXX XXXX provide proof that there is an outstanding debt and that it actually has ownership of the debt from the original creditor. I checked the XXXX XXXX XXXX XXXX Court website today and did not find any traffic citation that matched the one reported on my credit report. See web link XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information on my credit report for all XXXX credit bureaus is not mine. The name, and date of birth do not match mine. The accounts were opened before i was even XXXX years old. I just turned XXXX and all of this is affecting me because i am a XXXX and because of the false information of my credit report i ca n't get a credit card, i ca n't apply for student loans, get a car, or even rent an apartment to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During a period between 2009-2014 I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX REC XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
An apartment complex has sold a debt to XXXX XXXX in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and XXXX XXXX. Both equifax and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debit, and they will not provide me with this verification. The reporting agencies and XXXX XXXX refuse to remove the account from my report and my next step is legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a Chapter XXXX Bankruptcy that was discharged on XXXX/XXXX/2016. In XXXX I started disputing items on my Equifax credit report because they were not updated and my bankruptcy was not in my Public Record section. I attached my Discharge to my dispute and some things were updated while others did not. I filed a second dispute with the same information. When I complained I was told to call their problem resolution line. I explained to them that not only, had I submitted my actual discharge to them, but they were the only credit reporting agency that had not updated my credit report. I was told by Equifax that the Court had to electronically notify Equifax. I called the Court and was told, Equifax just needs to pull it from the Public Record. I called Equifax back and told them what the Court had said and again Equifax told me that the Court needed to send me something. So now I am asking the FTC to step in and help me get the Bankruptcy added to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over half millions dollars in debt. The house cost {$220000.00} and it showsXXXX on my report. XXXX has sent an control number ( XXXX ) the Equifax and XXXX XXXX andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have XXXX removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to contact the company XXXX to find out who what where and when this account was opened but have gotten little to no help with this it seems like you can put info in online to get the credit card. It is reported three different times twice XX/XX/XXXX and XX/XX/XXXX. I want this to stop affecting me very time I go to buy anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am unable to get my EQUIFAX credit report. Either the " validation '' questions and multiple choice answers do n't apply ; OR I make it through and then get an online message that they ca n't deliver my report online and that - allegedly - I have to " call ''. I DO NOT WANT TO CALL. With this complaint, I have uploaded my valid driver 's license and a current utility bill for proof of identity. 
Of note, I am XXXX of the many XXXX who was affected by the XXXX data breach of personal info ( name, DOB, SSN, driver 's license number, etc ). I want to check my EQUIFAX report but am unable to receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX 's to the XXXX different major credit bureaus : Company : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I just received a credit report from Equifax. I immediately called them to dispute hard inquiries on my credit report that I had not initiated. I informed them that it must be fraud because I had not initiated the inquiries. They informed me that they were not able to take them off and they do not do investigations on inquires. They basically told me that they would have to stay on my credit report for 2 years. The following inquires are on my credit report and I did not initiate them : XXXX, XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX : : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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 an account that appred on my credit report XXXX XXXX marketing this is not my account have no knowledge of this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. 

It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.

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 — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a state tax liens still showing on my report that was withdrawn in XX/XX/2011. On multiple occasions I have disputed this with Equifax , Providing Equifax with copies of the State Of Alabama Department of Revenue Release forms which states " A tax lien can be withdrawn and released by the department conditioned on payment in full ( which I will also attach here for you ) this tax lien has been paid in full but Equifax will only report it has been released. I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien. The other CRA 's ( XXXX ) removed the lien from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had several hard inquiries placed on my Equifax credit report without my permission by XXXX XXXX car dealership on XXXX 2015. I contacted XXXX XXXX directly and they apologized for the error and sent me copies of the correction letter on company letterhead as well as to Equifax to have the items removed. This first began in XXXX 2015 and still continues today. I also sent Equifax the same letters and they are still refusing to remove the inquiries. I have tried on several attempts but with no success. I also spoke to a Equifax customer service manager and she stated they received all the letters but are still refusing to remove the inquiries. The letters clearly show XXXX XXXX at fault and they are requesting the inquiries be removed due to their error. I am having no success with Equifax at all. Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This was a tax lien that was listed for XXXX XXXX XXXX. It was in error so I disputed the record. The XXXX investigated and reported that the lien was " Released '' but it was in-fact expunged as it was filed in error. I checked with the Court and they show it expunged filed in error. I spoke with XXXX and XXXX from XXXX who told me they use a third party vendor who they refused to identify that the vendor verified the information as being accurate. I asked XXXX what happens when the vendor is providing false information? I was transferred to XXXX ID # XXXX who stated that they disputed the information and the courthouse advised them the lien was released and satisfied. I checked with the court who advised anyone checking would be advised it was EXPUNGED and filed in error. XXXX stated they can not advise how the verified the information because it was " internal policy. '' Clearly they are not doing primary source verification which is a violation of all applicable rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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:
To Whom it May Concern : I am very concerned that I can not retrieve my free credit report from any of the credit bureaus. None of the challenge questions match my credit profile at ALL. I am worried that my credit has been comprimised. I have taken the steps to request my credit report and score through the mail but I need action NOW. 

Any information or assistance you can provide would be invaluable. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
We traded in our Leased Car. XXXX Honda said they will pay our Mileage fee, they said bring them the bill once I receive it and they will cover it. My wife brought them the bill and they said they will take care of it. The bill was for {$190.00}. A few days ago I started receiving several calls from Honda saying we owe {$190.00}. We called the dealership they claimed they handled it. Today my credit was hit with a late payment for the {$190.00}. Being a former debt collector, their collection team practices abusive collection practices. I was call 5 times in 10 minutes by their company. I have attached a copy of the missed calls from there collection department. I am demanding that they delete the negative mark on my credit as we never missed a payment and paid the lease off 2 months early. XXXX Honda was responsible for paying the {$190.00} mileage fee as per our contract when we purchased a new vehicle from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On my credit report. It says I owe XXXX to some said company. This was back a year ago. It says dispute was resolved ; customer disagrees. I closed my cable account and gave them equipment back and left for the military. This is till showing I owe it a year later. I want this off. It has no reason to be there. XXXX dollars for a whole year and I do n't get called on it anymore? It is not needed to be on my report and needs to be fixed.

Company response to consumer: Closed with explanation