vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I seen my credit report with alot of things on there that are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
i have been with us bank for years with XXXX. card. On XX/XX/XXXX i stayed in NH XXXX there was no hot water at XXXX on XX/XX/XXXX i reported it immediately. 
nothing but excuses reports to BBB have just said we are sorry i request refund its ignored. I do not like that its possible you will give me a problem about this. by XXXX XX/XX/XXXX i was leaving and that is when it was discovered. there was nothing more for me to do. i want and am entitled to a refund without a problem i dont like getting a letter saying it may not be successful it better be. 
i am not paying it. XXXX would have already credited it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
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:
They will not answer their phones

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to my credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX, XXXX, XXXX and XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX county recorder shows a lien file XXXX with a balance. an individual chapter XXXX bankruptcy discharged debt in XXXX. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX in XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XXXX XX/XX/2016 i pay {$4.00} to Equifax to look at my credit report most of the information in the report was incorrect i had to dispute all my dispute is completed i call Equifax on several occasion to cancel the account because i was not seeing a whole lot of information all i was seeing was personal information today is XXXX XX/XX/2016 Equifax is charging me {$19.00} to look at the same personal information i pay {$4.00} for i want a refund reason they are using the business solution price

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Reviewed my credit report and their is a fraudulent and unauthorized credit inquiry listed on my Equifax credit report. The following credit inquiry is unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/2016. Furthermore, I want the following addresses removed from my credit report, I have never lived at the following addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Signature Performance Tiburon, LLC
State: NE

Complaint narrative:
Consumer received a 'dunning ' letter from Signature Performance Tiburon LLC , XXXX XXXX XXXX, XXXX NE XXXX dated XXXX XXXX 2015. XXXX responded to the letter by sending back a dispute letter 'certified ' return receipt ( # : XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015. SIGNATURE PERFORMANCE TIBURON LLC, is denying consumer due process of 'written ' notification within the XXXX ( XXXX ) day timeline allotted consumer under the Fair Debt Collection Practices Act ( " FDCPA '' ) by not picking up the letter from the post office in a timely manner. Consumer has tracked the letter which is still waiting to be picked up from a XXXX Post Office. Consumer has added all 'written ' and tracking verification to this complaint to prove consumer 's position in this matter. By not accepting consumer 's dispute letter, consumer is being denied 'due process ' under federal and state law regarding debt collection practices and the FDCPA, FCRA and FTC XXXX Consumer is making this complaint to your agency as a form of administrative process that will verify consumer 's position in this matter should it be necessary for consumer to pursue a civil lawsuit. Consumer will have proof of consumer 's concern as reported to the Consumer Financial Protection Bureau ( CFPB ). Thank you for providing this venue as documentation. It is greatly appreciated.!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted several " account verification letters '' to Equifax about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX XXXX ( {$180.00} ) Account : XXXX XXXX XXXX ( {$220.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple disputes were initiated through the Equifax online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Equifax has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX is NOT my account 5 ) Medical XXXX is NOT my account 6 ) Medical XXXX is NOT my account 7 ) Medical XXXX is NOT my account 8 ) DOB XXXX is inaccurate The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, consider this a written request for Equifax to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to XXXX. I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to XXXX See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. As these accounts have ruined my credit worthiness, life, liberty and pursuit of happiness.

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 — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There really is n't anything like what I 'm dealing with listed for me to choose from. So I chose " incorrect information on my credit '' because it is the closest thing I could find. Equifax has been dropping my credit score with no good reason lately. Not just a little fluctuation either. I have no collections, excellent credit card utilization and excellent payment history, yet EquiFax dropped my credit score XXXX points in one week!!!! I had a XXXX a month and a half ago and now it has dropped to XXXX! This is unacceptable and VERY inaccurate!! There is no good reason for a score to drop that significant that fast when my credit is n't no where near bad enough to justify it. I have actually had several things removed completely from my credit and gotten new credit cards and paid them on time over the last couple months. It makes no sense that my credit score would drop XXXX points in one week. There is something illegal and shady going on at EquiFax. 
I want my score restored back to what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed the public record on my credit report, which is a bankruptcy. I received notice of the result of my dispute. The result was that the information was verified and the firm that was used to verify it was XXXX. I know factually the information was not verified through XXXX, as my consumer report was frozen on XX/XX/XXXX and Equifax, says they verified it on the XXXX. I reached out to XXXX and spoke to XXXX, who told me a inquiry had been received but she did not see where XXXX had divulged any information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX 2015 ( yesterday ) I purchased a credit report from Equifax. It was a XXXX bureau credit report for {$39.00}. I find the report data 30 to 60 days or more outdated. This report is XXXX. How can a company charge this amount of money and not even up date the balances. Then rip you for high balances. Every account number is wrong and outdated. What happens when and uptight banker looks at this XXXX information. This is serious business and should not be taken for granted as Equifax is providing outdated data for big bucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed an account from XXXX on my credit report over 4 months ago and you have failed to resolve the trade line investigation, based on these facts the trade line must be removed by law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Bank of America. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Bank of America. This is purposely trying to frame him and fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

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 2016-10-13 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 been experiencing issues with possible identity theft so I submitted a written dispute to Equifax asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Tried talking to someone about this issue and they was very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a Tax Lien on my credit report that need to be removed. 
Reference # XXXX Amount : {$350.00}

Company response to consumer: Closed with non-monetary relief