vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with equifax. I have disputed this item with the credit bureau Equifax and was advise that they were able to verify the information as accurate with the Grantor XXXX. I have contacted XXXX directly regarding this issue and was advised that the account does not exist in their database system and was referred back to the collection agency to handle this dispute. After speaking with XXXX XXXX today, I was told that they have do n't their due diligence and they only control reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My complaint is with Equifax. I contacted them in XXXX because I applied for a car loan. My bank told me that my credit report could not be pulled up from Equifax, but they are able to pull my report from XXXX and XXXX. I was told that another person 's record was linked to mine- in order to correct this I was told to submit via fax- a photocopy of my IDs and my social security card. I did. 3 times. I even wrote a letter stating that it was my 3rd time submitting my information. Some time later I call to verify if that items were received -- it was but Equifax could still not pull my report. I was told to contact my bank to ensure that they were reporting my line of credit to Equifax. They have been. I was told that Equifax would correct the issue and it would take a month. I called to check if my record was fixed a few days ago and I was told to contact the XXXX. They were closed. I called yesterday and Equifax never received any of the documents that I had faxed back in XX/XX/2016. I was told to resubmit all the info again! I will be leaving for XXXX and this issue still has not been corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX there XXXX account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX reported an expired account on my equifax credit report on XXXX XXXX XXXX. This is an old account from XXXX that is no longer showing on all XXXX of my credit reports as of XXXX of XXXX because the debt has expired. XXXX transferred the loan to XXXX on XXXX XXXX XXXX. 
The debt was already expired and removed when it was transferred to XXXX. This account from XXXX should be immediately removed from my equifax file. I have enclosed documents to support the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section XXXX of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
EQUIFAX IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT AND I HAVE SUBMITTED MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY TO THEM SEVERAL TIMES AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the government and Office of Personnel Management ( OPM ) had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/2015. I was an employee that was effected and OPM sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have included documentation proofing original account not mine. incorrect original account #. In addition, wrong delinquent dates according to XXXX XXXX. This company is not only reporting an account that is n't mine but the deliquent date of this account is re-aged. I have provided proof and sent in writing. I received a response on XXXX/XXXX/17 from equifax that dispute was verified as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax and disputed the above referenced accounts on XXXX/XXXX/16. They were deleted from my file when I obtained a subsequent credit report of XXXX/XXXX/16, on report # XXXX, which i am attaching for your convenience. 

However, then on XXXX/XXXX/16 i noticed they were back on my credit report. I received no notification that they would be reinserted, i received not explanation as to why, i just found the items back on my report. 

The FCRA states under 611 : " Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' that I am to be notified of the reinsertion of any deleted accounts within 5 days of the reinsertion. I received no such notice. 

In essence, this is a serious violation of the FCRA. i 'm asking for the help of the CFPB to take action and insist that equifax immediately and permanently delete these accounts from my credit report as is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is refusing to correct the release date for a state tax lien. I submitted the documents showing the correct release date of XXXX. On the reinvestigation report, EQUIFAX stated that the release date had been updated to XXXX as of today, it is still being reported XXXX which is incorrect. This lien has been paid on XXXX and has met the 7 year Statue of Limitations and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have spoken with the credit report agency directly and the person I spoke with gave conflicting information. Currently, I have opened disputed with XXXX XXXX XXXX as well as Equifax because they are certain that the account is mine but when I speak to them about the inconsistencies in the data that was provided. Both Equifax and XXXX XXXX XXXX state that they are sure the account is mine and leave it at that. 

I understand that XXXX XXXX XXXX is a business and need to recoup funds and Equifax is a credit reporting company but this is my life on the line and I will escalate it as far as I need to go in order to get this corrected. 

Case number : XXXX is the one that is opened for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The investigation of Equifax Dispute Number : XXXX was past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX removed XXXX from my credit report cause I furnished proof, XXXX sent me a letter telling me the stuff I asked for to prove charges they say are mine that this info that is supposedly mine is personal and confidential, If it is referring to me how can that be? I am entitled to be shown proof of these charges. I sent same info to equifax and they finished there investigation within two days, same day I put the info in the mail and have heard nothing, cause evidently they already agreed with XXXX and did n't review my proof. I can mail you the letter I am not good at uploading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted my request to equifax in regards to the abuse of my credit profile with the collection agencies on my report and they along with the collection agencies do not want to comply with federal laws regarding debt collection practices in regards to billing, collections, medical debt they investigate it and no matter when the law is right they refuse to correct the errors on my report be purging the information from my credit record XXXX. I have asked them to supply me with the information of the individuals they have contacted regarding the alleged debt and they have refused profusely. Each time they expect their clients to tell the truth and when they lie they take their word as truth instead of asking for the original paperwork, billing or alleged contracts that they said that they have in their posession before the alleged debt was sent to them. I want with information from them and its refused each time now i am forced to go to get an attorney to sue the collection agencies and well as them for reporting such debts that i dont owe due to the bills being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Services used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a serious illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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 contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

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

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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: MD

Complaint narrative:
I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''

Company response to consumer: Closed with non-monetary relief