vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Former Address XXXX XXXX XXXX XXXX, SC,XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXXWe/I have never had this as our address. Our XXXX XXXX address 's : Former Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXXFormer Address XXXX XXXX XXXX XXXX, SC, XXXXFirst Reported XX/XX/XXXXLast Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After previously disputing this erroneous account, Equifax still deemed the account verified. This account had incorrect account status and I have no idea how a " collection account '' can report " past due '' .. This should have been removed from my report. Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have supplied them and the credit with the information attached and this information is still on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Account # : XXXX, XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/XXXX. The credit report of XXXX/XXXX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( XXXX ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX XXXX XXXX, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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:
I sent XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted proof that a XXXX account and a judgment appearing on my credit report was not mine or reporting in error .As of today they have not remove these accounts from my credit reports. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Stolen my information on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM AN VICTIM OF IDENTITY THEFT. AS A RESULT, SEVERAL ATTEMPTS OF OPENING ACCOUNTS ON MY CREDIT FILE WERE INITIATED. PLEASE REMOVE THE FRAUDULENT INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was closed XX/XX/XXXX and paid as agreed and still showing open with Equifax credit report. This is hurting my credit score and my credibility with my over creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX and My apartments I was living in at the time XXXX XXXX XXXX XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. Same with XXXX they have been paid off but under the act it should have never been reported because the only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, equifax and XXXX corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax keeps giving me the run around on getting things removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I suspect that my identity has been stolen for the second time. I disputed an account being reported XXXX to which I asked XXXX to validate the information reported. I never received validation but Equifax is reporting that it was validated with them but they refused to tell me what information was verified yet the address that XXXX is reporting is not my address. This address XXXX XXXX XXXX XXXX has been previously deleted by Equifax yet they re-reported this address on my credit file as of XXXX/XXXX/2015 ( less than 30 days from removal ). Equifax is also reporting my birthdate incorrectly. I 'm listed as being XXXX years old when I 'm only XXXX. I 've sent in XXXX copies of my valid Florida drivers license yet they refused to correct my information. These invalid reporting is causing me to be refused credit. I 've spoken to XXXX supervisors at Equifax and they all have refused to fix these incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting all these unauthorized inquiries and most are duplicated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION XXXX. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 2015-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX 2014 living with my grand farther in XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX 2014. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ 0High Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed

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: NC

Complaint narrative:
this company does not verified any dispute, they seem to generate a general letter wait 30 days and send out everything is good. the other agency validated the same account and the results was deleted i was not a member of XXXX until XX/XX/XXXX, but yet they have me owing them in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After I filled out the questionaire, Equifax denied me access to my free credit report, asking me to mail in my request with personal information. I answered those questions truthfully, and I was denied access. If someone has been fraudulently using my identity, I should n't have to put myself even more at risk by sending a letter with my SSN via the mail. That 's completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I obtained the student loans originally through XXXX XXXX in 2007. Upon my leaving school I began receiving correspondence from XXXX XXXX for a few years. Each time I asked for deferment I was sent the appropriate paperwork and the deferment was approved. Once Navient obtained my student loan account I requested a deferment, submitted the necessary information regarding wages and living expenses only to continue to receive correspondence requesting additional information. My user information was continuously changed in their system and I was never able to log in to the Navient website to view information they claimed was pertinent to my account. Now I am so far in debt and marks are on my credit report that there is nothing I am able to do to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have paid all accounts from my Equifax report for XXXX XXXX Emergency. They have yet to update my credit report. They said it would be 30 days and it 's been almost XXXX. The collector is XXXX XXXX XXXX. They are holding up my mortgage process intentionally. Also they failed to send my itemized receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the collection agency XXXX XXXX XXXX a few times over the course of 4 yrs. The debt in question owed to XXXX XXXX XXXX for {$110.00} was paid twice. When I saw this on my credit report I paid it right away to XXXX XXXX at XXXX XXXX. I contacted XXXX to let them know and was assured they would take care of it. For 2 yrs, still on there, I then file a dispute request and received no answer. I did however receive a refund check from XXXX XXXX for the double payment of the {$110.00}. I sent a copy of the stub and letter to XXXX only to see this still remains on every credit report possible. Resulting in a poor rating towards my credit character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Every time I try to file a dispute, it wo n't let me complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax continues to report a Chapter XXXX bankruptcy which was filed XXXX/XXXX/2007, which has been 8 years and 7 months since filing. In addition because there was zero secured mortgage, zero secured debt, I requested that the Ch. XXXX Bankruptcy be dismissed. There was no material or substantial reason to stay in the plan. Both XXXX and XXXX have honored the 7 year reporting standard for Ch. XXXX Bankruptcies, while Equifax has continued to allow this information to be reported causing further harm for employment and housing. On Friday, XXXX XXXX, I was denied a mortgage for a VA loan in spite of the fact that I have primarily student loan debt, little to no credit card, department store or personal loan debt. Debt to Income ratios were all at or above industry standards. XXXX Home Mortgage cited the Ch. XXXX Bankruptcy as XXXX of the reasons for the denial. My credit scores were XXXX Equifax , XXXX XXXX, and XXXX XXXX. As XXXX XXXX XXXX XXXX XXXX Veteran, I believe my wife and XXXX daughters deserve a home rather than paying {$1100.00} rent for an apartment. Please advise as your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had reserved a car on-line with XXXX XXXX XXXX. When I went to pick up the car, I was told I had to give my Social Security Number in order to use my debit card to complete the transaction. I declined to give my SSN, so the agent directed me to XXXX at the next counter and asked the agent to honor the rate I had arranged with Budget. When I tried to pay at XXXX, my card was declined due to a " soft credit check '' by Equifax. The Equifax number on the explanation card was totally automated and only allowed me to request a credit report for a charge of {$7.00}. When I tried to rent a car through XXXX, they wanted to know the flight number I was booked on. Since I was traveling by bus, I did n't have a flight number, but when I asked about a train reservation they said that would be OK. So I called XXXX, bought a ticket with the card previously declined by XXXX. I was then quoted a rate XXXX the on-line rate for XXXX, the explanation being that I was a " walk-in. '' I called my bank and was told there was no problem with my account, which had more than enough to cover the {$200.00} hold requested by the car companies. I also had sufficient cash to cover both the hold and the original quoted rate by XXXX. I finally ended up getting a car through XXXX, same scenario as XXXX. The erroneous hold on my debit card by Equifax cost me both time and money, and no business should be asking for my SSN in order to make a payment.

Company response to consumer: Closed with explanation