vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for XX/XX/XXXX, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & XX/XX/XXXX of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I Have opened multiple credit disputes with Equifax # XXXX, XXXX and XXXX and others for the creditor XXXX XXXX for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently XXXX. 
I am currently making payments thru XXXX in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX XXXX XXXX who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX XXXX, doctors, clinics or services rendered on the day I received service thru their emergency room or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my Equifax Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on Equifax for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead XXXX XXXX charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with Equifax after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX XXXX XXXX, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised Equifax of additional charges saying that balance Equifax reported on my report was wrong and the balance was then adjusted and Equifax allowed then to add more charges. Most recently, Equifax as of XXXX has allowed XXXX to report the same {$5200.00} for XXXX XXXX, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who XXXX XXXX was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX XXXX with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed inaccurated information regarding credit cards that were opened from an address that i never resided. I spoke to the creditors, and was told most of the accounts were opened online or over the phone ( red flag ). Which required the person who opened these accounts in my name to not have to show proof of identity after I had a fraud alert placed on my credit. I 've listed the credit report numbers above where you 'll find the inaccurate information that I have disputed, and to no avail have been unsuccessful with getting these inaccurate items removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A address of a relative ( XXXX XXXX XXXX. ) is listed as mine, I never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. City Park Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX XXXX not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our XXXX XXXX a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I received in the U.S. Mail a letter dated " XXXX XXXX, 2015 '' from " Equifax. '' Under the " Previous Address ( es ) : '' lived at column it states that I once lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. Reported : XXXX. '' I have never lived in " XXXX, California '' I have lived in XXXX, California for the last 31 consecutive years. I am the victim of Identity Theft. When I called up " Equifax , '' they refused to " Delete '' this Identity Theft address of " XXXX XXXX XXXX ; XXXX, California ; XXXX '' from my " Equifax '' credit file in the Federal Credit Act law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and have submitted police report affidavits and FTC report to the credit reporting agencies to remove fraudulent accounts on my credit reports. All have complied except for Equifax. I have sent them the police report 3 times as they claim it was not legible the first time but still are reporting inaccurate information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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:
I have tried calling - never get to speak with an actual person. Everything to order the Free Credit Report based upon Credit Denial is very confusing. When I tried today, I had to enter everything either by responding verbally or by phone keypad, received my confirmation number but it then just kept repeating. THERE IS NO MEANS WHEN YOU CALL " To speak with a representative ''. What 's even more disturbing Equifax appears to make the requestor think they have to pay for the credit report - no mechanism to decline - then you have to hang up and start the phone call all over again. I believe Equifax is attempting to mislead someone like myself into paying for what I am legally entitled to for free. As a XXXX it is particularly disturbing and it is my request that the Consumers Finance Protection Bureau take action against Equifax for making is tremendously difficult for people to obtain their free credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX needs validation of debt done, he last payment is misising full payment history if there is any is missing, i have asked for verification before and it was ignored. my fcra rights have been ignored for full and accurate reporting. 
DATE LAST PAYMENT MISSING DATE OPENED MISSING DATE CLOSED MISSING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I initiated this dispute with XXXX on XXXX/XXXX/15 after business hours. The very next morning, I received a notification from another credit bureau that I pay a fee to monitor my credit report that every account I disputed ( with the exception of XXXX had be updated ). I find it hard to believe Equifax was able to " verify '' the validity of those accounts in less than XXXX hours. In addition, they waited until the end of the XXXX day period to advise the information was factual and would remain. There is a clear issue of ethics and integrity with this credit reporting bureau. They are not actually verifying items, they are simple identifying them as valid. They have an obligation to verify and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have informed Equifax numerous times via online dispute, fax and certified mail that they are reporting a XXXX account on my credit file as if I am or have previously disputed the account in which is incorrect. The creditor stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only dispute that I have about the account is that it reflects as if I have previously disputed the account. I have requested for the additional information reflecting as " Consumer disputes the account information '' to be deleted from my credit file. The creditor stated that Equifax needs to correct their database because the account is not reflecting as in a dispute status. Also, Equifax is the only credit bureau reporting the account as in a dispute status in which is incorrect. Again, this account has never been in dispute other that the fact that is reflecting as in a dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
i filed chapter XXXX XX/XX/XXXX but dismissed it XX/XX/XXXX XXXX says it stays on 10 years from XX/XX/XXXX but other reports from other agencies says it should go off in 7 years i read on internet also saying 7 years transition and XXXX already took it off what is the law for chapterXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I was notified by my loan officer on XXXX/XXXX/15 that Equifax reported ( XXXX ) collection items from XXXX. I immediately opened a dispute with Equifax on XX/XX/XXXX. I learned that in XXXX 2015, XXXX XXXX XXXX ( XXXX ), posted ( XXXX ) collection items on my credit report on behalf of XXXX. Equifax provided the phone # to XXXX. The XXXX rep looked up the reference # s XXXX & XXXX and quickly recognized that these were in someone else 's name, not my address and not my social security #. She then indicated they would process the dispute and notify the credit bureaus and XXXX. I need to have this removed from credit report immediately. The XXXX rep stated that XXXX would have sent the erroneous info to XXXX with my name and address. XXXX does not look up anyone 's address/contact info. I have no accts with XXXX so I do n't see this as a glitch in their billing system. I have no idea how XXXX got my name. I 've never had a comcast account and have no idea why they would link XXXX XXXX 's accounts to me. I 've tried to get someone at XXXX to address this and after numerous waits and transfers between collections, billing, etc. they will only refer me to a website to complete a form that I then have to get notarized and send to them. Absolutely ridiculous. It is clear that these are not my accounts and the burden of proof ( and hopefully law ) should require XXXX to rectify this immediately. There must be some regulation around tagging fraudulent information to an individual. It 's clear there are some unscrupulous practices occurring at XXXX. How they tied my name/address to this person 's deliquent accounts should be investigated. Also their practice to require the consumer to complete a fraud report and get it notarized is an inconvienence that I as the victimized consumer should not have to endure. This issue is impacting my ability to secure a loan for a significant financial transaction which will cause me a financial hardship if not completed. This has placed a blemish on my credit history despite the fact that it will eventually be removed. I will seek damages if this inaccurate information causes me to lose this financial opportunity for which the loan is for. Someone needs to investigate to determine if this is a widespread practice at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been unable to update my credit report/score with Equifax, I pay a monthly membership fee for this service and the following error code appears, Eval Code : - Status Code : FL, Reason Code : NH. This has happened XXXX before, I also have a membership with XXXX and XXXX and never have a problem with either, just Equifax. Until the error is fixed, I should not have to pay for a service I do not receive, please advise them I will need a XXXX month membership to cover me until error is corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently was notified there was a " Fraud Alert '' placed on my file by Equifax. I am in the process of moving and have been denied utility service in my new apartment due to this alert. I did not request for a Fraud Alert to be placed on my file and demand it be removed immediately. I contacted the company several times about this issue and have been unable to resolve this. They requested I send in a request in writing with XXXX forms of ID. I complied with their request and the Alert remains.

Company response to consumer: Closed with explanation