vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting this XXXX same account from XXXX three times which is against FCRA. This is not my account Navient account number XXXX. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account. I have never signed or had any affiliation with this account. Again, asking for the immediate deletion of this fraudulent account which is reporting three times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have faxed a copy of my birth certificate, social security number info, proof of residency along with other documents to Equifax twice. I sent it again to XXXX XXXX at fax number XXXX and I faxed it prior to customer service at XXXX, so it is no reason for Equifax to respond and say they need this information as I have already faxed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax will not deal with me by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX FCRA Summary of Rights What is the Fair Credit Reporting Act? 



The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Enacted in XXXX and substantially amended in the late XXXX and again in XXXX, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used. 


Summary of Rights The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers ( for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies : Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See " How do I get a free report? " for more information. 

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See " Who can access my Equifax credit file? '' for more information. 

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report. 

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report. 

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated THIS IS FROM THE EQUIFAX PAGE AND YET THEY WILL NOT INVESTIGATE MY INQUIRIES AND DELETE THEM DO NOT USE THE XXXX system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRUAD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Wrong name on my credit report ( XXXX XXXX XXXX ) is not my identity and would like dispute the name and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
1 ) XXXX was paid off 2015 should not be on credit report. 
2 ) XXXX XXXX XXXX should not be on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am having difficulty refinancing my mortgage because my current mortgage holder will not report it to the credit bureaus. I do not get written or verbal responses when I contact the bank. I have called and written them asking that they please report my mortgage to the credit bureaus so that I can refinance. They seem to be using delay and avoidance tactics to prevent me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed public record with Equifax that are not mine. Equifax said they investigated and refused to remove the account but then re aged the original date from the original XXXX date to XXXX XXXX!! I have contacted Equifax and they still refused to remove the account. 

The other XXXX credit bureaus has since removed this account.

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

Complaint narrative:
Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]

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 — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed XXXX Inquiries for a credit line for an Auto loan with Equifax. These XXXX Auto inquiries were done on the same date therefore XXXX inquiries should not be on my report but only XXXX. I disputed that XXXX of the inquiries to be removed due to the rules of applying for an auto loan within time frame. The results were that XXXX inquires will stay on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Crummy SETERUS mortgage servicer non-responsive to my inquiry into the h.a.m.p. incentive payment of {$5000.00} dollars. It has been over 5 weeks ( XX/XX/XXXX ) since they made the claim that it would be processed and paid out in a few weeks. The representative XXXX XXXX in her letter stated that if I have any questions to contact her directly. Have yet to get any response from her have left XXXX messages. This is the typical XXXX this XXXX company uses to delay and obscure their responsibility to address customer concerns. AS of XX/XX/XXXX I have yet to receive the funds or followup reply in this matter. Apparently they prefer to LIE and DELAY this payout in order to profit from the interest they gather from the {$5000.00} dollars. Never have I dealt with such a DISHONEST and LYING company in my XXXX years. They had the nerve to state " We strive to provide excellent service at all times and regret that we fell short in this instance. '' XXXX They failed at proper customer service XXXX % of the time since XX/XX/XXXX. AS if it was only once. What a XXXX lie. How is it this company is not fined for their deception and lies?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted Equifax four times about inaccurate information that is on my credit report. Each time they claimed to have verified the information without providing me with any physical verification. This is totally violating the laws in the Federal Credit Reporting Act. I have requested repeatedly that they delete these items from my report but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
acct # XXXX XXXX XXXX was never late all other bureaus have adjusted and removed the error ive requested this be removed and have recived NO information on investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a XXXX card that I am an Authorized User on. This is incorrect. I do not know anyone that added me to a XXXX card. I have written Equifax several times over the past few years to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau : You will understand what actually transpired between me and Target after reading the XXXX XXXX, 2015 letter attached for you to read here. I do not have any card belonging to Target as a credit card. I did not apply for any credit card from Target at any time and I will not allow this scam against me to work for Target and its employees. They have already proceeded to adversely report me to the XXXX credit bureaus. You will also see attached letter dated XXXX XXXX, 2015 I wrote them to remove their adverse report against me in XXXX days or I might have no choice than to file a lawsuit against them. I have decided to lodge my complaint through you. If I could not resolve this matter via your humble office, Target will regret ever messing with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I spoke with XXXX and XXXX and they told me that Confirmation number XXXX can not be viewed on the completed Equifax investigation online dispute website for me to see the results from the investigation dispute I filed ... However, XXXX told me verbally that the creditor reported accurate information on my credit report but can not verify it in writing on their website .... I 've been told by XXXX or XXXX that I will receive information in writing 7 to 10 business days and I never received any mail correspondence from Equifax. Please make sure Equifax is reporting information fairly and accurately ... .. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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 a collection from an apartment complex on my credit report that is not mine. I disputed it with both the credit bureaus and the collection company and its still on my credit reports. I would like this account remove from my credit reports asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not apply for credit with XXXX on XXXX/2016. Also, I never lived at XXXX in XXXX GA XXXX at any time.

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

Complaint narrative:
My identity was recently stolen. The fraudsters have attempted to open a number of credit accounts with retail establishments such as XXXX, XXXX, XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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 is attempting to close another complaint by sending out a letter asking for additional information. In that letter they provide a number XXXX -- XXXX which is an automated system that places consumer in a dead-end loop in which the consumer can not talk to anyone directly about issues. I attempted XXXX times to enter my confirmation number, social security number and street address only to be told by an automated system that the information was incorrect. I then attempted to open up a new investigation only to go through the same process. They are also requesting that I have to manually send information via the mail in order to provide of identity so that they may investigate further. That is a ludicrous excuse to deny access and also respond to a formal complaint first submitted to the CFPB several weeks back. The credit bureau is attempting to place an extra burden upon consumer in order for their company to stall and not respond. I am unable to provide an attachment but have the official letter sent by Equifax on XXXX/XXXX/15 in which they attempt to defer response to the previous complaint and require me ( the consumer ) to provide additional information. The reference number on the letter is XXXX which seems to be associated with the previous complaint but can not be confirm as there is no way to contact Equifax and talk to an actual person. 
Kind Regards, XXXX XXXXXXXXXXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation