vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been disputing and requesting validation of a debt I do not owe for nearly XXXX months now and EQUIFAX has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EQUIFAX wants to play by their own rules. The item on my credit report XXXX Acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit bureau is inaccurate coding soft inquires as hard inquires to remain on my credit for 2yrs instead of 12 months. XXXX XXXX XXXX, XXXX cable and XXXX should be removed from my credit these inquires are consider as soft inquires. All of these companies review my credit was for services to promotional offers with these utilities company. This inaccurate coding of inquires is causing damage to my credit rating from Equifax Credit Bureau and I plead that this would be corrected and remove. I had attach document to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
After getting a human on the phone at EQUIFAX tells you the calls are being recorded, but if you mention that that is the case, they hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX, 2015 I discovered that a company named XXXX XXXX XXXX ( XXXX ) of XXXX, FL placed a collection account on my credit report without any prior notice, written or otherwise. That day I wrote them a letter and sent it Certified Mail via the USPS disputing the account and demanding validation of the debt as prescribed by Federal Law. The company ignored my request and continued to update it as bad debt on all XXXX credit bureaus. In XXXX of 2015 I hired an Attorney to dispute the account and get validation of the debt for me. In XXXX of 2015 it was removed from all XXXX of my credit reports and I assumed that the issue had been resolved. On XXXX/XXXX/2015 I received an alert from my credit monitoring company that XXXX had placed the account back on my XXXX Report, on XXXX/XXXX/2015 an alert that they had put the account back on my Equifax and then on XXXX/XXXX/2015 an alert that they had added it my XXXX XXXX report. They also violated the law by changing the " Open '' Date in order to make this debt appear " newer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has reinserted wrong unverifiable information on my credit report and has cause damage my credibility with loan officers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We received the Hamp modificatoin with Citimortgage but Citi never report the Hamp to the XXXX and I try hard to get this process done, so I can apply for the XXXX for my second loan which is XXXX XXXX, they have us in Default. Nevertheless XXXX transfer my loan to Seterus and they are not putting the XXXX mod. in the XXXX. This problem is going on for over 1 year and nothing is being done.

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

Complaint narrative:
i have paid this, XXXX has removed this but equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ON OR AROUND XXXX XXXX, 2016 CONSUMER ( MYSELF ) FAXED TO CREDIT REPORTING AGENCY " EQUIFAX '' A IDENTITY THEFT FRAUD AFFIDAVIT PACKET CONTAINING A XXXX POLICE REPORT AND SEVERAL DISPUTES ALLEGING FRAUDULENT ACCOUNTS BEING OPEN WITHOUT HIS ( MYSELF ) CONSENT. PER FEDERAL LAW, INFORMATION RECEIVED TO BLOCK SUCH INFORMATION SHOULD HAVE BEEN TAKEN WITHIN 5 BUSINESS DAY HOWEVER, CONSUMER HAD TO CONTINUOUSLY DISPUTE ACCOUNTS AS IF NOTHING WAS EVER RECEIVED VIA FAX. TO THIS DATE NEGATIVE ITEMS REFLECT ON REPORTS AND EQUIFAX IS REFUSING TO TAKE SUCH ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed this XXXX Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this back in XX/XX/2015 to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by XXXX all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said XXXX and XXXX is reporting it this way. So they are giving me the run around. I am at a stall hitting a wall because they are not following the laws here. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Somethings were disputed. And I have n't got a response. Then also they 're a of inquiries that are n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 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 ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MP

Complaint narrative:
this not mine # XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am a responsible creditor, I pay my bills on time what do not like is when Equifax accuses of me of not paying a bill on time? I always pay my bills on time and pay more than is necessary to pay my bills. One bill in particular XXXX XXXX, I pay the loan amount every XXXX the month and they say it was late on my Equifax Credit Report? I fixed it on my credit report. I also have a block on my Credit Report from XXXX XXXX XXXX, I have tried to fix this error for over 6 months now what is a Responsible Creditor suppose to do correct this error? I requested a credit increase on my XXXX Credit Card and my score dropped from XXXX to XXXX, I have done anything wrong but they say that I should not request any more credit, I am just confused by this double standard and I apologize for being human being it was my mistake. Thank your, time understanding in this matter, Sir or Mam. 

Sincerely, XXXX XXXX XXXX XXXX XXXX American Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting an incorrect social security number on my credit report SSS : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was sued by Pressler and Pressler for an alleged debt that i never knew from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax in the previous investigation misinformed or just outight lied in their response, they attempted to play the response as a play on terms, i.e. the credit item of XXXX XXXX finance, and the term XXXX, which is one of their clients, and they knowingly know its the same. In the above stated response, Equifax stated it does n't appear on my report, well it does in the shorter term, the term that is easy to determine is the same company. They wrote it, that it does n't exist, they responded to the CFPB it does n't exist, well it does. Equifax has been playing this game for decades, they only apply verification to beneift those who pay them, in no manner is the consumers word less creditable then the persons who pay them, yet they are allowed to get away with this kind of conspiracy. They stated it does n't exist in any form, I want it removed to include all other items that do n't correspond to my issued name and social security number, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is stating that the information on the public record is accurate and closed the dispute. I know the information is accurate. My issue is that I filed a Chapter XXXX bankruptcy in XXXX XXXX, which means XXXX XXXX it has been 7 years and should be removed. XXXX and XXXX both have complied and cleared my record. When I called Equifax , I was told that because my Chapter XXXX was dismissed and not discharged, I have to wait 10 years for it to be removed. I have called and consulted with several bankruptcy lawyers and all have told me that the rule is 7 years for a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through CFGB regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with CFGB that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 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 XXXX XXXX XXXX XXXX, XXXX If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A delinquent XXXX account in the charge off amount of {$19000.00} showed up on my credit report. It was disputed immediately as the name reported does not belong to me. The first and last names are correct, however the middle initial is not, nor is it an initial I have ever used in any of my records. The address connected with this account did not belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Incorrect information is listed in my collections section. The collection agency, XXXX XXXX has reinserted a previously deleted account with false information. This is an account that I am no longer liable for and has now been added back on my report with incorrect dates as it is extremely past the allowed time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX District XXXX Identification number XXXX judgement XXXX Address identification number XXXX They are stating that I owe then {$11000.00} on my credit report. I only owered {$1700.00} which ahs been paid. This wa from 2010. This has stopped me from buying a house because they have entered the number WRONG. I have tried for 5 years to get it right with XXXX.The other XXXX credit reporting agencies have deleted it. PLEASE HELP. HAVE it all removed today. 
Their address is XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an MSI I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
They will not fix the problem and it hurting my credit score with credit applications and the information on all the accounts from Equifax are XXXX and from 2013. I have try to fix the problem with no avail, I have a lot of paperwork to justify my claims, from phone calls to sending out packages with the dispute. I just got a limited credit card from my bank and they told me that they were using the information from Equifax that stop my accounts in 2013! My accounts are active and in great shape!!!! Please give me an address to send the supporting paperwork and documents that I have!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed bankrupt and it was discharged in XXXX of 2015 Equifax has not updated my report that I filed nor have they removed any accounts from my credit report. Also the car loan that 's on both of my reports should be removed. I tried to dispute with Equifax but they claim they ca n't never identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.

Company response to consumer: Closed with explanation