vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit report from Equifax falsely represents dates of the deed in lieu of foreclosure from XXXX Bank and XXXX Mortgage that completed in XXXX and XXXX of XXXX. Equifax have on several occasions and currently, represent this information as XXXX and XXXX of XXXX. This is incorrect and " resets '' the start date of this information. I chose this option as the only means to leave this property in a period in which I was laid off. Fair Credit Reporting gives me the right to have this information represented correctly. XXXX very large result of this misinformation is the lack of ability to purchase any property for XXXX years form the default date. If this date is changed again and again incorrectly, I clearly do not qualify to purchase. Please help. Thank you.

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

Complaint narrative:
on or about XXXX XXXX, 2016, I disputed incorrect information my credit report, such as incorrect names, dates of birth, address and collection accounts specifically - XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number # XXXX and XXXX XXXX XXXX XXXX acc # XXXX. however on conformation number XXXX XXXX XXXX XXXX has been removed but I have not received conformation statement that it has been deleted but have received conformation # XXXX that XXXX XXXX XXXX has been. further the XXXX XXXX XXXX XXXX accounts XXXX showed paid in full and the other showed collection which is confusing to me as the consumer and incorrect Equifax deleted the account in good standing but the collection account remains however both are over 7 years old, I also attached proof that I won a settlement from XXXX for reporting incorrect collection accounts on my credit file to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX billing account does not belong to me, account is in another state, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried to get Equifax to completely remove XXXX XXXX XXXX from my credit report due to how XXXX went about taking my truck with many phone conversations with Equifax about it. I also called XXXX credit numerous times for them to remove it as well. They have refused to over many years. Because of them I have not been able to get any credit. I also have disputed time and time again to have my inquiries for credit removed due to being turned down and they refuse to do that as well. I need all my inquiries removed off of my reports. Under disputes with these credit Agencies, they have removed the remove account option in order to do so and will not listen to comments or requests to do so in their add more information box with it. They also have never sent me paperwork on their investigations as well and the process they went through of documentation to make sure they did their job. The have not followed FCRA guidelines for Due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
EQUIFAX has not closed a XXXX XXXX XXXX credit card with a {$3000.00} limit. This is lowering my credit score utilization. This should be closed in my chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history if these is no payment history how can they validate a debt so I am question the validity of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX credit ... a debt collector ... has filed without following guidelines of fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Between the date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX My Equifax credit score dropped XXXX points. When I called the bureau they did not clearly explain how my score had dropped XXXX points. I had only XXXX 30 day late penalty that was new between the report that was pulled onXX/XX/XXXX and XXXX/XXXX/XXXX. The Bank I was applying for the loan was baffled by the catastrophic drop. I am trying to get a refinance cash out loan on my house to pay off all of my debt and only have a mortgage payment. This loan would help free up some money for savings and then I would not have to live paycheck to pay check. The reason I am filling this complaint is without a credit score of XXXX the bank can not move forward with the loan. I was frustrated with the credit company because they could not explain clearly why the XXXX negative things on my credit history would cause a XXXX point drop. I asked how many points each of the negative reports were worth and they could not give me an answer. Aside from the 30 day late payment on a credit card I have had perfect payment history. I believe that my score has been wrongly adjusted between these dates and needs to be looked at and readjusted. I am frustrated and confused and this is significantly impacting my life and financial stability. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX dispute XXXX filled XXXX/XXXX/XXXXXXXX dispute number XXXX filled XXXX/XXXX/XXXXEach time I dispute or ask of an investigation for items filled incorrectly on my credit report, i receive a results stating the items will remain and to contact the creditor. I also informed the reporting agency, each call to the creditor results in the creditor stating i should file a dispute with the agency. 

I also attached certified letters and responses from each company I disputed to no avail, some company not either responding, cooperating, or responding in the appropriate amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process, i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed, lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it, because there is no way to do it ... 
The second part of the problem is that bank super computers magically only processing bank transactions on " business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only " business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow, postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the " business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason, explanation or excuse why these " to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a mortgage with hsbc Mortgages, I got in contact with your agency XX/XX/XXXX and they responded by cancelling the mortgage and recording it with the XXXX County courthouse, they also informed me they would delete the info from all the credit bureaus, come XX/XX/XXXX XXXX and Equifax have gone back to reporting this mortgage. They also have been reporting the same mortgage with Bank of America-I have made several attempts to have this removed as this was NEVER with XXXX and they have refused. I also spoke to XXXX and they have no knowledge of owning this debt. I also need them to stop reporting my XXXX account as this was part of my bankruptcy and all the accounts that they previously removed as per my creditors request. i dont know if there is a glitch in the Equifax database but as a result of their reporting the previously deleted items my credit score has taken a serious drop. 
I am also asking them to remove the address : XXXX XXXX XXXX XXXX, # XXXX XXXX and XXXX XXXX XXXX, XXXX-I have told them I no longer own the properties. They are refusing to update the information. and they have the mortgage for {$100000.00} for XXXX XXXX listed on my CBR-this was also discharged and previously removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report is showing a public record XXXX. However, I am unaware of this record dated for XX/XX/2014 and Equifax is not reporting the source of their information on this judgment. All of which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon calling the collection agency Equifax stated I have a debt with, the agency informed me that they have no record of me having an account with them, which is correct because I can not recall any debts with XXXX. This acct was already in dispute for more than 120 days and was still showed reinvestigation in progress. I notified Equifax and they stated they could only remove the comments and it had to be redisputed ( see attachment file dispute1a ) conf # XXXX. After I was informed the comments attached to this acct were deleted I went to Equifax.com and filed a dispute with the confirmation # XXXX. When I called the same day to confirm that the dispute was submitted, I advised them I may have picked the wrong reason for dispute in error. Another confirmation was given to me # XXXX to correct this. Upon reviewing the report during that time I noticed that they had duplicated the exact same acct onto my report with the same exact acct #, bal, debtor, etc. I waited 30 days and received documents stating that these acct 's were delete ( see attachments ) and investigations were closed on XX/XX/2017. When I reviewed the Equifax report it still showed the exact same acct that was to be deleted with the duplicate acct gone. I called Equifax and asked why the acct was still showing on my report. They stated that they could not remove it and to call the collection agency again. I advised the agency will not help me and that they have no record of me having a debt with them and referred me back to equifax. I also advised them that I received documents from their own system stating the acct 's were to be deleted and they still did not delete them. They stated another dispute must be filed and they went ahead and filed an additional dispute with confirmation # XXXX. This is in strict violation of FCRA one, because it is taking more than 30 days, and two, they 've already told me they investigated it and it was to be deleted. I am in the process of trying to obtain a loan and they are not cooperating whatsoever. This acct needs to be deleted. Please PLEASE help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed with Equifax Credit Bureau however I was never able to get the results. I called and spoke with someone and they told me that they did n't have a timeframe as to how long before I 'm able to view my credit file. The lady stated they can take as long as they want too. I 've attempted to get my free annual credit report online and my access was been blocked to that site as well. Please help. Due to the various data breaches that has occurred, I 'm concerned about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax, XXXX of the XXXX credit reporting agencies refuses to remove outdated information regarding a chapter XXXX dismissal that has been over 7 years. The XXXX other credit reporting agencies ( XXXX and XXXX ) has already removed this item. Equifax claims that their policy is 10 years for non-discharged OR " non '' dismissed bankruptcies, however I believe that several of their employees is not reading their policy correctly due to the writing of this policy. The outdated information on my Equifax report shows a Chapter XXXX that was dismissed in XXXX XXXX, 2007. It has been almost 8 years and still showing only on my Equifax report. There should be no reason why they can not remove it as the bankruptcy filed was never adjudicated. There has been indication that a handful of people have been able to successfully remove this same issue and it seems like it depends on the Equinox personel working on the case. Why is it so inconsistent and the company does n't seem to communicate their company policy with every employee. I have failed XXXX already so it seems like my luck is not on my side. Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: KY

Complaint narrative:
I saw an ad on XXXX that was talking about Loan Forgiveness, I called them and they consolidated my loans but charged me XXXX I am only paying {$39.00} dollars a month but this does n't really make sense to me. They told me in 4 years of paying my school loans would be forgiven. Is there any way I can recover some or all of what I have paid them if they are in fact scamming me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax on the XX/XX/XXXX.. in reference to a open collections for leasing management company and for a public record for the same account. I placed a dispute asking for verification of debt..validation of debt as well a list of charges. I also stated that the amount are inaccurate, and how could the public record amount for {$1500.00} in which I was court ordered to pay. The collection account balance over exceeds the amount ( {$4700.00} ) from the same original creditor. The results of my disputes are listed as verified and still remains on my credit file. 
I also requested from the creditor a validation of debt I have never received anything in writing from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested my credit report thru XXXX. After filling out the info and answering the security questions, XXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A tax lien was Recorded in Error, i been contacting the credit buteaus to remove it, yet they keep refusing to remove that record from my credit report.

Company response to consumer: Closed with explanation