vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone by the name ( " XXXX XXXX '' dob " XXXX XXXX '' ) has been using my social security number since XX/XX/XXXX that i am able to see. I tried opening a XXXX XXXX bank account in XXXX XXXX and had to go through a lot of hassle while they protected " XXXX XXXX '' that already had a active XXXX XXXX account. I was treated like the suspect instead of the victim. I do n't know what else XXXX XXXX has used my social security number for but I would like to get EVERYTHING closed and for him to be held accountable for YEARS and YEARS of FAULTY using my personal information. My name is XXXX XXXX XXXX dob XXXX XXXX XXXX. MY PHONE NUMBER IS ( XXXX ) XXXX please give me a call if you have any questions or information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax refused to provide my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a property in XXXX with a mortgage with XXXX XXXX Bank XXXX. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Was recently denied a credit card due to having delinquency/bankruptcy in my credit report. This has never happened to me. I went online to try and get my credit report and all questions to verify my identity at Equifax were entirely wrong- referencing mortgages I never had, paymants I 've never done, retail cards I 've never owned and more. It never accepted " None of the above '' for any of these. I reached out to Equifax, faxing them my drivers license and change of address form, to tell them that 1 ) I 've never been bankrupt, and 2 ) Every question they have on me is entirely wrong. I 've not heard back from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
At the beginning I thought this was fraud and I was suspecting that people were used my credit card for purchasing airline tickets, and I have reported, I learned that I was charged more XXXX time by XXXX XXXX when I purchased an airline tickets, secondly, I also learned that both credit cards that I had were also charged for the same airlines tickets, thirdly, some of purchase were not even authorized by me, and XXXX XXXX charged me many times, and some of the charges they even make sense because it would show that I purchase XXXX tickets for traveling to different places using someone 's name. I was not aware of this, until XXXX when I received a letter from XXXX XXXX insurance company stating that I had an insurance refund that I needed to claim for XXXX and XXXX. I have enclosed a letter and other papers showing all charges that where done by XXXX XXXX. I could n't attach all documents and I will be able to send my mail. 
Thank you for helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING

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

Complaint narrative:
Equifax And Ally Financial Are Reporting That My XXXX Was Closed In 2015. This Account Was Charged Off Many Years Prior To XX/XX/2015. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. I Have Paid This Account In A Settlement Agreement With Ally ( In XX/XX/2015 ) After This Account Was Charged Off. Ally Has Helped In Clearing This Up By Their Cooperation With Me In XX/XX/2015. However, Incorrect Information Is On My Credit Report And I Would Really Like It Corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX place a collection account on my equifax credit report this collection account is identity theft my police report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My mortgage provider made an error and reported me late for over 30 days. I initiated a dispute with Equifax and the mortgage provider sent them a letter to remove the information over three months ago. Equifax has not removed the information. I have called and written letters and provided them with the letter stating the incorrect info should be removed. The other two bureaus took it off immediately. Every time I attempt to contact them they pass the ball to another department, this erroneous information being on my report is negatively affecting my FICO score. What can you do when its the credit reporting agency making a mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have problems with Equifax who does not allows to get my credit report with Free Annualcreditreport.com, which one time per year. And I tried to contact them by emails, mails, and phones, but I do not get any respond. When I applied for loans the Creditors pull my credit it still show this problems:1./ Bankruptcy chapter XXXX ( this is more than 10 years already ) 2. Collection fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED CHARGED, account # XXXX {$340.00}. All of these issues need to remove as soon as possible if you can help. These issues against with my Bank 's Loan Proposal. Since you get this message please let me know. My email : XXXXXXXXXXXX and Cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
i have continueslly disputed the account from XXXX # XXXX and XXXX XXXX # XXXX both frauds account established under my name last year 2015, account were opened as fraud and hacked and continue disputes have been filed with the creditors and equifax and nothing has been done by either parties and equifax still reflects these fraud accounts under my credit file and no signatures or proof from either creditor has been sent to me that my signature Authorized these accounts or any transactions made on both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is reporting a derogatory collections account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, past the 7 year limitations period in violation of Section 605 ( a ) 5, ( c ) 1 of the Fair Credit Reporting Act. The original creditor was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX XXXX. 

I am demanding Equifax remove the account from my credit file which is more than 7 years past the date of delinquency but Equifax is refusing to remove it. Also, XXXX and XXXX already deleted the account. 

The account officially defaulted on XXXX XXXX, 2008 because the account 's original contract clearly states default occurs when a bankruptcy petition is filed and I filed a bankruptcy petition on this date. ( See XXXX XXXX Contract page XXXX Section I ( XXXX ) " To the extent permitted by applicable law, I will be in default if : ... ( XXXX ) any bankruptcy proceeding is begun by or against me. '' ) On XXXX XXXX, 2008, I filed a Chapter XXXX bankruptcy petition in the Bankruptcy XXXX XXXX XXXX XXXX Texas in XXXX, and included this creditor and account in my petition. The case number was XXXX and a discharge was issued XXXX XXXX, 2008. The creditor was served. ( See the attached bankruptcy petition page XXXX, discharge order, service of process, as well as the promissory note ). 

Finally, XXXX XXXX included terms that were abusive for a loan of any type especially an alleged student loan. The interest rate was over 20 %, and the note was not certified by the University XXXX Pennsylvania or any University, College, or School. In fact, at the time the loan was issued, I was hospitalized and no longer a student at the University XXXX Pennsylvania. 

I am demanding this item get removed from my credit report with Equifax because it is past the 7 years reporting period and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
EQUIFAX HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EQUIFAX ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
XX/XX/2015 I recieved results from Equifax stating XXXX-XXXX was not reporting on credit file XXXX not reporting on credit file XXXX XXXX not reporting on credit file XXXX not reporting on credit file. 
I have attached the Equifax Results from XX/XX/XXXX with Equifax stating that. 
After a couple Equifax has let the items come back on my credit report without proper notification of the 5 days per FCRA 611 15 U.S.C 1681I. 
You have clearly violated my rights and I am being denyed credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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 negative items on my credit that is certainly not mines.and this is from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I did an internship in the state XXXX. I paid my taxes and filed my taxes with an accountant friend of mine. I was in XXXX school and had done work that year in XXXX different states. We filed taxes in all XXXX states, but we did not attach the physical XXXX to the XXXX tax return as it was not required in any other state and my accountant was not aware of the rule XXXX. XX/XX/XXXX my credit report showed that I had a tax lien from the state XXXX. This had a major negative impact on my credit report of over XXXX points. As I did not live at the address that XXXX had on file, I did not receive information that there was a problem with my tax return and was unaware of any issues. 
After seeing the drop in my credit score and researching the cause, I reached out to the state XXXX and received a letter from the state XXXX stating that I never owed any money to the state XXXX, but because my XXXX was not attached the lien was attached for improper filing of taxes. I have presented this letter to the credit agencies and despite the fact that I never missed a payment or owed any money my credit score has continued to be negatively impacted by this lien. A credit agency is not there to report whether my accountant and I filed our taxes correctly but to report on my ability to pay my bills. 

I have paid my bills on time and provided them with documented proof of this fact. I do n't know what else to do to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Account has been closed since 2009. All of a sudden it reported a payment! I conacted Equifax and filed a complaint. They responded that the account was showing XXXX balance and closed the dispute. I filed again and told them I need the dates fixed, not the balance, as it caused a XXXX point drop in my rating. They have just closed it again, confirming that it is a zero balance after I clearly told them I need the dates fixed. Notice on the attachment that it is reporting a payment, that I did n't make, in XXXX of this year, and that the Account was closed in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over XXXX. I have some unauthorized and fraudulent credit inquiries listed on my Equifax Credit Report do n't belong to me. The following credit inquiries are unauthorized and fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. The following address do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My family and I were victims of identity theft in XX/XX/XXXX. Someone filed a fake tax return utilizing my wife 's and my social security numbers. I then added my son to my Equifax credit monitoring account and my wife opened a separate credit monitoring account with my daughter with another credit monitoring service. In XXXX XXXX, I received XXXX credit monitoring alerts for my XXXX-year old son. When I went into my Equifax account to find out what the Alerts meant. Equifax denied me access. They requested additional information from me proving that I am who I am and that I am the father of my son, this despite my having had an account with Equifax for over ten years. After more than 30 telephone calls and 15 to 20 emails, they continue to prevent me from finding out what is behind the alerts and if someone is illegally using my son 's identity. They seem to be completely incompetent. At one time, they told me that my son was XXXX years old so I could not have access to his credit alerts. My son was born in XX/XX/XXXX, He is XXXX years old. Then they told me on numerous occasions that they did not receive the documentation they requested. I then sent them copies of the XXXX Postal Service tracking receipt. They then investigated the matter for three weeks and then said that the problem is that my son is " almost '' XXXX and so they can not provide me with his alert information. I then tried to add him as an adult to my account and was again denied because he is not XXXX years old. I then contacted Equifax again, and they told me that I have to open his account after he becomes XXXX in XX/XX/XXXX. I then asked Equifax again to provide me access to his credit monitoring alerts. Again, they denied me access to this vital information. I am trying to protect my son 's identity but Equifax is denying me the ability to protect my son 's identity. There must be something illegal with this. How could they prevent a parent from protecting their own child?!?! PLEASE HELP ME PROTECT MY SON, PLEASE. All I want to do is to protect my son 's identity. I have no way of knowing if someone is doing something illegal with my son 's identity. Please help me get my son 's credit monitoring alerts from Equifax, please. There must be something illegal with what Equifax is doing by preventing me from protecting my son. Please help me protect my son, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Received alert from credit monitoring website on XXXX that XXXX lease account was 30 days past due which I could not understand why because my wife and I had been making monthly payments on time to our knowledge. After numerous calls to XXXX they discovered that a payment was missed or not complete for the month of XXXX 2016. After consulting my wife, we found that XXXX was correct however they did not take the appropriate measures to contact us so that we could resolve payment issue before it was reported to credit bureau. My wife and I who are both on the lease account have a perfect payment history and feel that XXXX fell short in helping us prevent this issue.

Company response to consumer: Closed with explanation