vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that my Chapter XXXX bankruptcy had been incorrectly reported as being discharged XX/XX/XXXX. I filed the bankruptcy XX/XX/XXXX and the XXXX XXXX bankruptcy court discharged on XXXX XXXX. This was incorrectly added to my credit record at all three credit reporting agencies some time this year and was not reported to me through the credit reports I obtained as late as XXXX XXXX, XXXX, but it was reported to several mortgage companies in a report obtained through XXXX XXXX on XXXX XXXX, XXXX, XXXX # XXXX. I called all XXXX credit reporting agencies ; XXXX, XXXX and Equifax last week ( XX/XX/XXXX ) to file a dispute and sent a copy of my bankruptcy court order to each of them showing the correct discharge date. XXXX and XXXX have both since corrected this in my report, but Equifax is telling me they are still investigating and that they have 30 days to correct the error. They fuse to give me any assurance it will be corrected any sooner. In the mean time I ca n't get the refinance mortgage I am trying to obtain. 

However, the most disturbing problem is the reporting of this public record. Equifax told me that they received this erroneous report directly from the Bankruptcy Court in XXXX XXXX, TX. I called the Bankruptcy court directly and they told me that the court does not report to the credit agencies. I pressed Equifax repeatedly to verify where they got this information and noted that all XXXX agencies had the same error on all XXXX of my reports. I asked for some kind of verification of who reported this information and they insisted that they got the information directly from the public records. I find this very difficult to believe since all XXXX agencies had the exact same erroneous information and that it was added to my credit report at all XXXX agencies at the same time, especially when it was n't shown with a discharge date of XXXX XXXX on any of my reports last year when I was able to get a mortgage to purchase the house I bought XX/XX/XXXX. I would not have been granted a home mortgage with a bankruptcy discharge less than four years old. 

I want to know who reported this to the credit bureaus. If all XXXX of the obtained the information themselves, at the same time, then who are they really getting this information from? Is there some third party public record reporting service they all use that they refuse to disclose or are they actually getting this directly from the official bankruptcy court records? And, more importantly, why is it wrong? Who is responsible for this? 

FYI, I have the credit reports from all XXXX agencies I obtained through XXXX XXXX and the credit report from XXXX XXXX as well as the court order discharge I obtained directly from the Bankruptcy court in XXXX XXXX, TX available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All XXXX credit bureaus report a different age of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently there have been changes to my Equifax Credit Report. I requested Equifax to mail me a new and up to date credit report. Equifax has failed to comply with my request. I am requesting Equifax to send me an up to date and current credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I hired XXXX XXXX XXXX " XXXX XXXX '' at XXXX to act on my behalf to renagociate ( XXXX ) interest rates. On XXXX of my cards, XXXX XXXX, I chose to close the account, stop interest charges and pay off debt. I was told that this would be reported as account closed by consumer. This did not happen. Per XXXX and Equifax this account is reporting as closed by credit grantor. When I contacted the firm working on my behalf, I was told that this information is incorrect and that this has never happened. I assured them that it does and that it did. I was told that it was to me to get this reporting corrected. I have no way of knowing how to do this. This firm was paid very good money to protect my credit rating yet a problem occurs and it is not their responsibility? how can that be? I do not know how to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have XXXX XXXX charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. XXXX and Equifax refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the XXXX or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the XXXX and never took that money and put it towards what I owe. they got the XXXX and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
there is an account showing with XXXX which is not mine. I have previously been a victim of identity theft and this is one of the accounts listed on the police report and bureaus refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Chapter XXXX Bankruptcy filed in XXXX. However, the Bankruptcy was never confirmed and was dismissed in XXXX by Court order. Order of the Bankruptcy Court specifically states ORDER DENYING BANKRUPTCY OF CHAPTER XXXX PLAN and DISMISSING CHAPTER XXXX CASE. EQUIFAX does not report this correctly. EQUIFAX only reports the Filing and the Dismissal on the credit report. EQUIFAX fails to report the DENIAL OF CONFIRMATION which effectively moots the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax removed many CURRENT accounts from my credit history, which had a great impact on the age of my credit history. As a result, my credit score decreased by 65 points! This may be due to confusion over my single vs. married name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax , XXXX and XXXX has been dragging their legs on correcting my credit report stemming from an identity theft that was a comitted against me back in 2008 resultng in a state tax lien which the State of Louisiana has no record of in their records and have repeatedly asked the credit reporting agencies to remove to no avail. I am at a lost to why this matter has not been resolved for all of these years when even the state of Louisiana has stated and requested that this information be removed has they have no record of a tax lien be placed against me, I dont know what else to do about these credit reporting agencies who remain to cause me great hardships with dealing with this matter and i am at my wits end. Why must i continue to be victimized by these XXXX giant companies who have allowed not only id theft to be commited but also have not removed numerous inquiries from years and have put alerts on my credit file as well preventing me from even remotely from attaining any kind of credit on my own. They seem to ignore any attempts for correcting this matter, Ther are XXXX other creditors as well who have sent them request as well to remove items from my report ( XXXX XXXX XXXX account number ending in XXXX, tel # XXXX ) ( XXXX by way of XXXX a collection agency account number # XXXX tel # XXXX ) XXXX, Equifax , and XXXX should remove these items immediatley or be held accountable, this has been going on since 2008 and remove all of those inquiries and alerts and allow me to finally have credit of my own like every other American trying to live the american dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of ID theft from several years ago. I need to unlock my credit for XXXX hrs. to get an apartment for my son to go to college. Equifax now ( did not do in past ) says if you want your credit unlocked immediately you must go online and pay through their website. If I use an agent ( free ) it could take XXXX business days. The problem is the apartment complex can not take the time to check my credit every day for XXXX or more days. This is an intentional effort to create a very inconvenient situation so that a person will pay to get it done in a timely manner. They are trying to thwart the law. I can only imaging how many honest ID theft victims have fallen for this scam from a company that is supposed to protect us from it. 

Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is currently reporting XXXX closed student loans on my credit file from US DEPARTMENT OF EDUCATION. Both loans are older than 7 years and are still reporting on my credit file. The accounts were paid and closed XX/XX/XXXX. I looked at my credit report today and at the payment history and Equifax is reporting the loans as CA ( Collection Account ) for XX/XX/XXXX and XX/XX/XXXX - the account was paid and closed in XX/XX/XXXX so how is it being reported as collection account in XX/XX/XXXX? 
i also noticed that i was reported as 120 days past due for XX/XX/XXXX and XX/XX/XXXX! These accounts were paid and closed in XX/XX/XXXX! How are you reporting current data on a closed account that has been closed for 3 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX inquiries were made to my Equifax credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Equifax a letter confirming that they were made in error. This was over a month ago. 

To this date, Equifax has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

The third inquiry is under the name " XXXX '' on XX/XX/2016. 

The fourth inquiry is under the name " XXXX '' on XX/XX/2016. 

The fifth inquiry is under the name " XXXX '' on XX/XX/2016. 

The sixth inquiry is under the name " XXXX '' on XX/XX/2016. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Equifax so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete, and inaccurate. 

The XXXX XXXX Account, Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well. The Card NEVER had a High Credit of XXXX, or was at the limit.

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

Complaint narrative:
Equifax has several disputes concerning my issues. I filed Chapter XXXX but I won a XXXX lawsuit and i the did a voluntary dismissal. Equifax has been informed. They also continue to show XXXX mortgages as wage earner plan when XXXX were paid off in closing with wiring instruction. They continue to damage me amd my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has repeatedly ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Its been 60+ days and they can not properly verify these accounts according Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I 've disputed. Please resolve this immediately as its proving harmful to my credibility and deteriorating my peace of mind. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I 'm listed as XXXX XXXX with a XXXX Colorado address. 
1 ) I 'm not XXXX XXXX and not only have I never had a Colorado address I 've never been in the state of Colorado.

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 — Public record
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The credit bureau are reporting a bankruptcy on my report but the court does not verify that information. Therefore that information was pulled out from a third party reporting agency, thefore it must be deleted completely from my credit report. I would like to be notify via email once it 's been deleted. My email address is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit bureau is reporting unverified accounts on my credit report in violation of FCRA sec 609.

Company response to consumer: Closed with explanation