vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Problem : Equifax sent an unencrypted email to me that included my user name to the Equfax web site and a transaction number. Doing so removes a layer of security ( user name ) from the unauthorized access to my credit information through Equifax 's web site. This is simply stupid by them and I want them to stop doing it. [ I am a retired XXXX with 27 years experience. ] History : I regularly obtain my credit report from all XXXX major agencies. For the last 3 years, I 've not been able to request it through their web portal. So I 've been calling their phone number to get it, and it arrives within a couple of weeks. But, this time, I received an email at the address they have on file which contained security information ( user ID ) and a transaction number. Unencrypted emails are not secure, and can be read all along the way from their server, to any server in-between, and on my mail server. Any nefarious person could tap into the email streams and gather such sensitive information, especially if they focus on the domain names of the XXXX major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Please delete this from my credit report because I am only an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have uploaded XXXX letters that explain the problem. These liens have NEVER existed, anywhere!! Equifax lies and claims that they have contacted XXXX and XXXX County and verified, this is a blatant lie!! I have been in both offices, I have been in contact with the IRS, these liens have NEVER existed. Over countless disputes they have ignored my documentation and lied about verification!! They have blatantly changed the dollar amounts of the fictitious liens, and over and over again changed them from XXXX reported to XXXX, and changed back and forth their location of recording. XXXX and XXXX share the same recording system. THESE DO NOT EXIST AND NEVER HAVE!!!!! 
What Equifax is doing to me is ILLEGAL, Stop reporting ALL IRS liens in my name!! 
The XXXX that were real and accurate have been WITHDRAWN!!!!!! 
Anything else has NEVER EXISTED!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I contacted equifax on XX/XX/XXXX about the fact that they are not reporting my public federal bankruptcy number XXXX filed on XX/XX/XXXX DISCHARGED on XX/XX/XXXX they keep telling me that they can not input this information despite it being public information and on the pacer.gov website I faxed in my federal bankruptcy paperwork to equifax on XX/XX/XXXX and they have confirmed it was received. This bankruptcy information is reported correctly on transunion and experian I have called and complained numerous times as its affecting my credit report with equifax to this day. There are XXXX negative accounts showing up under XXXX XXXX XXXX XXXX XXXX that should be updated with this information as included in bankruptcy if that is n't enough these XXXX accounts WERE also included in my ex husbands bankruptcy case XXXX filed on XX/XX/XXXX discharged XX/XX/XXXX. I have also contacted XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX and he said by law this information would be corrected in 72 hours however as of XX/XX/XXXX it is still being reported wrong by Equifax and XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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:
going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed items on my credit report. XXXX being a XXXX account which continues to report as late, and the other being union adjustment company which is a collection institution. XXXX was included in my chapter XXXX bankruptcy which was filed in XXXX 2013. They continue to report late on my credit report and then sent my account to collections after I filed for bankruptcy. This collection account was assigned to this creditor in XXXX 2013. This is a violation of my bankruptcy, this account also has me reported as a chapter XXXX when I filed a chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
1 ) i notified XXXX that on XXXX, XXXX 2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are reporting an incorrect address on my credit file. Please remove the following address : XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been able to have this fixed by XXXX and XXXX but Equifax refuses to remove it and all they say is the card belongs to me. It does not belong to me. 
I applied for a credit card from XXXX I was turned down. The letter said I had a delinquent account and my credit score dropped XXXX points. I looked at my credit report and saw that an account for a credit card from XXXX XX/XX/2016 had been opened and the max amount had been taken out, but no payments had been made. The account was closed XX/XX/2016. I did not open this account. When I called the credit card company, I was told that the person had my name and Social Security number but a different address I was not told what the address was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Equifax absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Accounts Listed Below need to be deleted from my credit file : XXXX XXXX XXXX XXXX - ( Collecting for XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX : Identity Theft Report Copy of Credit Report Police Report for ID Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section XXXX XXXX a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For the last 20 yrs I have been working on my credit report trying to build it to a XXXX or above unfortunately all methods dont work if I pay a bill or write them regarding the statutes of limiations or pay several bills the credit score wont go no higher than a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A {$55.00} medical bill went overdue and I was not made aware until I was contacted by a collection agency. I paid the bill in full as soon as I was made aware of it. However, in the meantime, the medical office closed and the collection agency has refused to remove it from my credit report. Now I 'm trying to get a home loan and being penalized because of this one single thing on my credit report when I have not had a single late payment on anything else in my entire credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
No response on complaint investigation for XXXX after 2 years. I ordered ScoreWatch from XXXX ( Equifax ) and Equifax is still reporting inaccurate information. Original complaint regarding XXXX XXXX XXXX reporting inaccurate amounts ( showing full amount due after XXXX was issued ) and inaccurate dates ( recent lates after charge off, after XXXX issues ) is documented in report XXXX. 

Additionally, it is now reporting several recent late payment dated after the XXXX was issued when I disputed in XX/XX/XXXX. Since the account is closed at charge-off, there is no late payment after XX/XX/XXXX. I have been denied tens of thousands in potential credit for " recent derogatory remarks '' on items that are six years old. 

It is well past 60 days for CFPB to investigate -- it has been over 2 years -- and nothing has happened. All other credit reporting agencies have changed the amount to XXXX per XXXX/IRS guidelines. Repeat requests to change this information has been ignored.

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

Complaint narrative:
Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
So after spending hours on the phone weeks ago because of a lock on my credit and told to fax my social card and drivers license in to remove it I did.. Then I was told EQUIFAX removed my name from my social. So I was then told weeks ago the lock was removed and all was fine. So I then went to my bank to get a loan and they did pull my credit. So I am thinking my credit is unlocked. WRONG! My Social number pulled up my dads info!!! We have the same name but I 'm a XXXX and he is a XXXX We live at the same address but my birthday is XXXX/XXXX/XXXX and his is XXXX/XXXX/XXXX! So how does my social now pull up his?! So I called personal solutions and they pulled up my dads credit with MY social. They said I need to merge it and sent me to the " mixed department ''. When I got there they pulled up my credit that is MINE and MINE only just to tell me there is still a lock on it! I said well when the bank and personal solutions department brought my credit up with my name of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX SC XXXX it brings up my dad. Well the " mixed department '' said they do n't see my dads but only mine. REALLY?! Also then I was hung up on by a " XXXX ''. I then called back and she was still NO HELP! How can ONE company with SO many departments bring up different credit reports on me but each department say I only have XXXX credit report and do n't know what to do about it???!!! I was then told to ONCE again fax my SS card and Drivers license and wait ANOTHER 48 business hours. 

My credit ONLY active accounts I have is a XXXX XXXX credit card with a {$4000.00} limit and a XXXX credit card with a {$7000.00} limit. THATS IT!!! Now if you look up my credit and if it has a mortage thru XXXX XXXX XX/XX/XXXX and a XXXX XXXX XXXX credit card from XX/XX/XXXX and a car loan thru a credit union in XX/XX/XXXX. THATS MY DADS NOT MINE! ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Approximately, at the beginning of XX/XX/XXXX I attempted to obtain an annual credit report from Equifax. Equifax did not have suitable information to provide my report and this information was conveyed to me via letter. Said letter is dated XX/XX/XXXX This same letter is addressed with an apt XXXX number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents. This letter is addressed with a unit number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX XX/XX/XXXX. Equifax demands I provide documents proving I reside within a Unit rather than an Apt XXXX Equifax has sent me a letter at the same address with both Unit and Apt XXXX designation for my apartment number. Evidently, Equifax knows more about my abode than I do, yet will still not provide me with access to my credit report as required by law. XXXX, XXXX and XXXX have all provided me with my credit report to an address with an Apt XXXX designation. This complaint is the second complaint I have filed with the CFPB about the same subject matter. Please see attached documents from Equifax, XXXX, XXXX and XXXX mailing correspondence to an Apt XXXX designation. Yet again Equifax has skirted compliance with federal law.

Company response to consumer: Closed with explanation