vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am in the middle of trying to get a mortgage. As part of preparing to make sure my credit scores are up to snuff, I ran my free yearly credit report using XXXX free credit report website. I did that in XXXX. At the time, my Equifax credit score was XXXX. In XXXX, I contacted several mortgage companies to seek a mortgage for a home purchase. They of course ran credit report on me. XXXX company sent me the report and my Equifax score had dropped to XXXX. I called Equifax to inquire why my score dropped. The agent I talked to OPENLY admitted that they see a person making a free yearly inquiry into their credit as a negative and give the credit score a negative mark -- -Even though it 's supposed to be 100 % legal to get one 's yearly credit report without risk to one 's credit score! Furthermore the agent admitted they also take the mortgage inquires as negatives as well -- -Even those as well are supposed to NOT negatively impact a credit score if they fall within a XXXX45 day window. 

So in essence, an agent from Equifax admitted they are using illegal credit scoring practices. 

I tried to confront Equifax about this but trying to get through to them is nearly impossible. Also, once the agent admitted the truth about their practices, the phone call was disconnected and I have not been able to get back through to any other agents. 

Bad business practices by Equifax that deserve some sort of penalty? Definitely. 
I could sure use your help in this matter to help put and end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax and XXXX say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took 4 loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX of XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In review of my Equifax Credit report I discovered XXXX bankruptcies and XXXX judgments. There XXXX items and dates of these filings are unknown and may have been filed by and against someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: IA

Complaint narrative:
Incorrect information was listed on my report, resulting in the rejection of lease application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the XXXX XXXX 2016, while trying to get my report online, XXXX XXXX kept telling me " unable to complete your request '', I then tried Equifax and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their XXXX websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After checking my Equifax credit report using a third party source I noticed that there were several hard inquiries ( XXXX ) on my credit report that I do not recognize nor did I authorize. These hard inquiries are not tied to any open accounts, they were not court ordered and they were not used in extention to any firm offers of credit. I have tried repeatedly to have these items removed with no such luck. These inquiries are damaging my credit image and credit worthiness making it hard to obtain positive lines of credit. These inquiries include : XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
my name is XXXX XXXX my ss and im having a hard time disputing several accounts with equifax and i also havw had several accounts removed from both XXXX and equifax and all of the sudden keep reappearing, idont understand and several accounts are from several years ago or the accounts are closed one account is from 2008 this is ridiculous and i need to find out howm to have these permentatley removed as o thought was to happen anyway i was on XXXX and for some reason equifax keeps saying my information does not match which is bologna its a ; ways a rat race with these credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXXAddress : XXXX, AZ XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/2007Source : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX 2016 I disputed most of the credit inquiries on my Equifax credit report. All inquiry 's were determined to be factual by Equifax ( No proof of how it was determined even though I requested the proof ). However they are not valid. In fact one of the reported companies ( XXXX has even started the automated process to remove hard inquiry due to fraud.. Equifax has been called and notified of this, but refuses to do anything about it without me purchasing a credit program for XXXX a month.

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: AL

Complaint narrative:
I have been in contact with Equifax in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and XXXX by certified return receipt XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that Equifax did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from Equifax to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with Equifax, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have written Equifax twice about a collection that has no account name asking for more information. They do not respond to me. 

It reads : Account # XXXX. {$97.00}. XXXX/XXXX/2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax allowed my report to be double pulled/double reported by XXXX. I have attempted to dispute this multiple times, as it has caused me denial of credit. My file should have only been shared once.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX credit cards that I am only authorized user on and they report it on my credit report which is affecting my credit score b/c it shows up in my balances and history. This was my ex-wife 's accounts and she was late on paying them. I am not legally responsible for the debt and do n't feel it should show up on my credit report. I would like for them to be deleted off my credit report and update my credit score. If the only way they can do that I want off as authorized user and it deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Of the XXXX credit bureaus, only Equifax had a name associated on my account that was not mine, nor was it even remotely similar to mine. In fact, it was a man 's name, and I am female, and again, it was not similar in any way to mine. I went online to Equifax and followed the prompts to request this be corrected. I received email after email ( I have a print screen shot of the automated response from Equifax ) from Equifax stating my online dispute is now available for me to confirm the status. Yet, each time, I 'd get another screen stating there are no disputes on my credit file. I decided to contact Equifax and speak with a person on XXXX XXXX, 2016 at XXXX XXXX. The gentleman I spoke to was foreign, and difficult to understand, he continued to go around and around without ever answering my question about why the email Equifax keeps sending me does n't produce a status. He informed me the name associated to my account has been removed. I continued to ask why I am unable to view this for myself on the emails Equifax sends, and again, he said he did n't know. I asked to speak to his Supervisor, this was a gentleman named XXXX out of the XXXX GA office. He too was very difficult to understand as he had a thick XXXX accent and he would not provide me any other identifying information. I asked him if he is the only XXXX in Equifax 's XXXX office and he said yes. He was rude, agitated and refused to explain why Equifax is sending me emails that wo n't provide information. In the end, he said he would snail mail my corrected Credit Report. This was XXXX am on Friday, XXXX XXXX, 2016. I have yet to receive my credit report and today is Monday, XXXX XXXX, 2016. 
I am appalled that credit bureaus have so much control over my personal data, and continue to create mistakes, and the fact that businesses rely on these credit bureaus is haunting. I need my corrected credit report from Equifax. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My complaint is with Equifax credit reporting agency. I have repeatedly filed several disputes with them in regards to incorrect information reported by a mortgage company, XXXX XXXX, that comes back with the same or very minor information changed. I have asked them to verify and prove all information which would prove inaccuracys yet they continue to end dispute with no proper results made. I have done this particular dispute at the very least 10 times! This is why I am filing this complaint. I also will be filing a complaint againt XXXX XXXX. 
Thank you, I hope that you can help me. 
The issue is that I had XXXX mortgage with XXXX XXXX which was part of a chapter XXXX bankrupcy. XXXX XXXX has XXXX separate mortgage account numbers listed on my credit report. XXXX states a {$0.00} balance and that it was included and discharged in my bankrupcy which is accurate. Then they have a separate account that has a different account number but it is the same mortgage. They list the date the account was open by a few days different than the other. They have done this with all the dated information to have it appear as though it is a separate mortgage account. It is not! I only had XXXX mortgage at that time with XXXX XXXX. One of the excuses they give is that they say the mortgage listed in question was sold prior to the discharge in XX/XX/XXXX therefor they say they are allowed to report it. This is not true. Even if I did have another account anything prior to my chapter XXXX discharge in XXXX, would be part of my public record. XXXX XXXX continues to report on this account as recently as XXXX XXXX stating I am 120 days past due. I have explained this to XXXX several times and have pointed out the obvious discrepancies with this account from the date open, date closed, first delinquency, etc ... yet Equifax still allows XXXX to report this bogus information. The particular account in question even has a payment grid along with it that does n't even match up to the dates they have listed on this account. It is obvious harassment and I am so frustrated and upset that what appears to be an obvious and easy fix is continuing to still haunt me. XXXX XXXX is in complete violation with my FCRA by reporting on an account that was discharged in XX/XX/XXXX. 
I hope you can help me with Equifax to resolve this matter. I pay $ XXXX/mo for the services I have with Equifax yet they have done nothing to resolve this blatant error. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Equitable Acceptance Corp
State: IL

Complaint narrative:
Third Party, Equitable Acceptance, committing fraud through my student loan asking that I pay {$1400.00} to consolidate and forgive a loan that can be consolidated and forgiven for free. I am currently trying to cancel this " transaction '' as I have been informed by the department of education that it is in-fact fraud. The company is currently fighting with me telling me that the Department of Education, who is supposed to " approve '' me for a program, is also the ones telling me not to use this company so they can get more money from me when it Is really Equitable Acceptance trying to steal money from me. This is the letter I am writing them to cancel this whole transaction : To whom it may concern, Today I was informed by the Loan Consolidation Center of the U.S. Department of Education that I can consolidate my loans for free. I was also informed that I can apply for loan forgiveness for free. Based upon this information, I am notifying you that I am cancelling the " revolving credit plan '' for {$1400.00}, which was represented falsely as required for loan consolidation and forgiveness application. I have received no services from your company to date nor have I made any payments. 
I have also spoken with the Student Loan Ombudsperson ( Ref. # XXXX ) and was directed to file a complaint with the Consumer Financial Protection Bureau. I contacted the CFPB and filed complaint #. In addition, I was directed to contact the Illinois Attorney General 's office and I have filed a complaint with them as well ( # ). 
I have placed a " stop payment '' on my XX/XX/2017 payment. Any attempt to collect funds from me will be documented in the fraud complaints with the CFPB and Illinois Attorney General 's office. In addition, any adverse credit documentation will also become part of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 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 disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything

Company response to consumer: Closed with explanation