vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: OH

Complaint narrative:
ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed an official dispute with Equifac on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as mistated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Equifax return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Equifax has not provided any further information to explain why they have decided not to update their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

Independent Dealers Advantage, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Approximately XXXX I have been a victim of fraud and ID theft. Someone open various accounts, request credit and made credit inquiries on my name, illegally, fraudulently and without my authorization and knowledge. On XXXX I put a credit alert and I report it to XXXX XXXX Police with the incident number XXXX. Then I made and Identity theft victim 's complaint FTC # XXXX and affidavit and I made a report and informed it with the XXXX credit bureaus ( including Equifax ). Equifax did not correct the following information : inquiries made fraudulently : XXXX made in XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX ( the XXXX XXXX ) XXXX XXXX XXXX XXXX I call Equifax to correct and delete from my credit the above inquiries and they told me that I must call and notify those companies that the mentioned inquiries were fraud. I called each company and answered all mail for them. I have evidence, for example : a letter from XXXX XXXX saying that they close the account because they determined was a fraud and I have to allow 45 days to the consumer reporting agencies to update their record. Equifax did not update my credit record and constantly put the XXXX fraudulent inquiries in my file. I call them and by internet notified them that those inquiries were fraud. I have all disputes confirmations # as and effort to correct my credit information : Confirmation # and dates XXXX made in XXXX bay phone ; XXXX made in XXXX ; XXXX made in XXXX ; XXXX made in XXXX and all with the following note : '' The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I did call each creditor and also send the Police report to Equifax and Equifax did not update my credit information by deleting fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX I received my XXXX bureaus credit report from XXXX and the federal tax lien had been deleted from equifax ( the other bureaus had previously deleted the federal tax lien showing on my credit report in response to my dispute. Equifax had deemed the account as verified and refused to remove it so I responded with another letter disputing the validity of the tax lien, stating that I am requesting proof that the XXXX validated this tax lien because I have in a letter from the court that they do not report to any credit reporting agency. ). The lien was removed from my equifax credit report on XXXX/XXXX/XXXX and reinserted on XXXX/XXXX/XXXX. I never received notification of the reinsertion. This is in direct violation of the FCRA Section 611 Part A ( 5 ) ( B ) ( ii ). Equifax never notified me of the reinsertion and furthermore this lien does not belong to me and I have spoken with the XXXX and they do not report to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid a XXXX XXXX credit card account that went to collections. I paid the account in full. I have disputed the status of this account with Equifax and XXXX as the account is still reporting as " late ''. I called XXXX XXXX requesting that the account status be updated to paid and was told they would review the trade line entries on my report. The acct is still showing as " late '' on both credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted equifax requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. The XXXX item is XXXX, it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX and Equifax if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Someone in California stole my identity and opened a account with XXXX, leaving XXXX with a balance of {$1900.00}. I have spoken with XXXX rep 's and explained that I have never had an account with XXXX and that I have never lived in California at any point in my life and this account is fraudulent. After trying to resolve this issue with XXXX, I decided to dispute the charge after finding it appeared on my credit report recently. The determination from the credit reporting agencies after there investigation is as stated " Inquiries are a factual record of file access, '' with no explanation of the evidence provided to determine the facts. I know this is not my account or debt. Also the address used for this account the credit reporting agencies have found to be fraudulent in my name, so it seems to me if you proved that the address used for the XXXX account was fraudulently in my name, how come it is not determined that dish network is also not fraud. I can not fight a fraudulent claim on the credit report if I do n't no on what facts the dispute is found factual, so that I might dispute the fraudulent evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX AND EQUIFAX ARE INCORRECTLY REPORTING MY PAID OFF ACCOUNT AS A CHARGE OFF. THIS ITEM SHOULD SHOW PAYS AS AGREED IN SETTLEMENT, NOT A CHARGE OFF. THIS FALSE REPRESENTATION ON MY ATTACHED CREDIT REPORT MAKES IT LOOK LIKE ALLY HAS GIVEN UP ON TRYING TO RECEIVE THE PAYMENTS AND HAS TAKEN SOME LOSS. THIS ACCOUNT IS PAID IN FULL VIA SETTLEMENT. ADDITIONALLY THE TERM SHOWS 40 MONTHS WITH A {$640.00} PAYMENT, TERM WAS 39 MONTHS, AND THERE IS NO BALANCE OWING. KINDLY HELP IN UPDATING THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did everything I can do to work thing out with Equifax for changing the comments and the payment history cause a negative change it my credit report. That little change cause a big change on my credit report and I clearly sent over the documents to prove what happen to my account and Equifax did nothing to help me. Equifax open up a new dispute that can take 30 to 60 days. Taking me out of business I can not believe this just happened to me. I ca n't sleep eat I am about to lose everything I work because of this. All I ask was to remove the account until XXXX responds back to your dispute. Why do I have to suffer. I even open up a case with the Attorney General I might have to get legal help to get threw this. Equifax you 100 % made this error I ca n't believe you did not help me and I sent you over all the proof. Account changes, credit score changes with dates what else do you want from me. I attached the dispute that Equifax just open up and also proof I made a compliant to the Attorney General. I feel like I am in a nightmare and can not wait up. 6 years down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I 'm trying to get my credit report from Equifax. I got some weird questions that I have done nothing with said company to open a mortgage, bank card, etc. and it said I failed the security check for these stupid annoying questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I just spoke with XXXX at XXXX phone number XXXX, who validated that back in XXXX they requested Equifax to remove this fraudulent information and I have requested this several time from Equifax. Equifax is not making any correction or assisting me with removing something that XXXX has told them was not my fault. 
Additionally, The XXXX Account has the same issue. I called that company in XXXX. 
These XXXX items are destroying my credit report and I ca n't get a XXXX student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Wrong address on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to Equifax. The XXXX XXXX XXXX, account number XXXX, fraudulent account was never removed from my file. This account is documented in the Identity Theft report which included an FTC complaint and a police department complaint that was provided to Equifax. Equifax claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission. This is the root cause of the entire problem. 
On XXXX XXXX, XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, Case number : XXXX. In this complaint, I attached the same information showing that XXXX was disputed and listed in the initial police report and the FTC report for Identity Theft. Identity theft in which my name and social security number were used without my permission. 
On XXXX XXXX, XXXX, Equifax again refuses to remove the inaccurate account information from my file stating " XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you. '' This is the whole reason I am disputing this account, someone has stolen my identity and is using my name and social security number. 
I do not own a home. I have been renting since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax credit needed to take off XXXX collections items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/2015. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report from Equifax that I paid for on XXXX/XXXX/15 and again another report which purchase on XXXX/XXXX/15. The confirmation numbers are XXXX and XXXX. Not only did Equifax take them off they reduce my credit score nearly XXXX points. So, I pay off a medical bill and they take away from my score. Equifax needs to remove these XXXX items from my credit report right-away. Equifax Credit not only did they not remove the XXXX items from my report they were past thirty days giving me a response in both disputes. Equifax wants to keep XXXX down so they can keep chains on people. They seem to be corrupted as many other companies. Where is your integrity Equifax? The account number for XXXX is XXXX and XXXX is XXXX is also reporting this same information incorrectly and needs be remove from my credit report right away. They did the same exact thing that Equifax. They also brought my score down XXXX points. I ran my XXXX score/ XXXX credit report from the Equifax.com website XXXX times which cost me {$16.00} to {$20.00} every time the report was printed. The reports included Equifax, XXXX and XXXX credit report and scores for all credit reporting agencies. 

The only one that is reporting correctly is XXXX. XXXX and Equifax are not being regulated by no one. Help Me XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed the bankruptcy listed on my report with Equifax. They responded but failed to disclose the source of their information. I provided documentation from the United States Bankruptcy Courts to Equifax and to the CFPB that the courts do not validate but instead it is done through a third party. Equifax lied in their response to me and to the CFPB in stating that the Bankruptcy Court had validated the data ( something that they do not do ). Here is their response on the CFPB complaint containing the lie : Equifax said : " Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The Discharged Chapter XXXX Bankruptcy has been verified to be correct as reported on the credit file. Written confirmation has been mailed. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days. '' As this is not correct and as failing to disclose the actual source of the data is an FCRA Violation, I demand that it be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. I have a identity theft marker on my credit reports. 

XXXX accounts which Equifax are reporting on " XXXX '' and " XXXX XXXX '' are result of identity theft and I demand Equifax stop reporting this information. 

I submitted a FTC ID theft affidavit and police report to XXXX over a year ago.. They responded to me a few months later saying that there is nothing they can do since they sold this account to XXXX XXXX XXXX. 

I called XXXX XXXX ( the debt buyer ) recently and explained the situation and the fact that I am a victim of ID theft. The XXXX XXXX rep says " In that case since you are a identity theft victim, I can offer you a one-time settlement 80 % discount ''. I refused to pay even with their large discount because I will not pay for someone else stealing my identity.. It was n't me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In 2011 I was given XXXX XXXX line of credit without my approval. 
Prior to that, my XXXX payments were automatically withdrawn from my personal checking account. XXXX XXXX XXXX sent me statements to my old address, and since I did not expect any payments, I never checked my online account status. Once I started getting calls from XXXX that my account was overdue, I paid it promptly. Unfortunately it shows as 30 day late payment on my credit report, which prevents me from getting mortgage. I am a physician and the {$100.00} payment would not break me, but unfortunately this incorrect information on my credit file is preventing me and my family from buying a new house. 
I called the bank XXXX XXXX XXXX XXXX who issued the XXXX credit. I was told that they can not make any changes to files beyond 12 months. The manager by the name of XXXX, refused to give me her last name or the phone number of their legal department or give name of their legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company response to consumer: Closed with explanation