vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have informed Equifax that the following address is not mine or never been mine : XXXX Please have this address removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have sent Equifax numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have several public records listed on my report. There are : Tax lien XXXX, XXXX, XXXX and a judgement for XXXX. The names are not listed on the report and I went to the courthouse and the record is not there.

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 — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX reports my Equifax score as XXXX. A lending institution pulled my credit score from Equifax and it came back XXXX. XXXX XXXX told me that different institutions use different models to arrive at a score. Equifax does n't have a means for me to ask them about it. This difference is causing me problems. An explanation or resolution would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2015, an unauthorized inquiry was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I received and alert that a new unknownaccount appeared on my credit. I called Equifax and was told that I could not launch a dispute over the phone and was advised to fax my information over againalong with the police report that is already on file and include the newaccount. To date, both Equifax has not removed the account!!!! 
XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a charge off with XXXX that ended XX/XX/2013. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2013. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference. Please make Equifax correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX-XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both Equifax and XXXX. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX 's report.

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

Complaint narrative:
I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. 

See documents attached, Thanks much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to speak to me about this by phone intentionally frustrating me in an attempt to get me to go away

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sent them several disputes regarding this matter. I keep getting the same response. " Inquires are a factual record. If you feel this is fraud contact the creditors. I have contacted the creditors also and get told I have to have Equifax remove them. They have since locked me out of the online dispute process stating my information does not match. I 'm 100 % sure my information matches. I then faxed them a new dispute with an intent to file suit letter and they have ignored that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
This is not my account. I have never dealt with this company that they are reporting to my credit report and they did not prove this was me. They simply said that they verified it. How? I never gave my information to this company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi Equifax hope you having a pleasant day, I am sending this to you again, there is a fraud Address on my report and I have asked you guys to take it off. The fraud address is XXXX XXXX XXXX XXXX il XXXX Please remove this fraud address. I have submitted copies for the 8th time to prove who I am Thank you. 
I was out of the country for awhile and I had a lot of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax put a fraud alert on my credit for what reason, I do n't know. The problem is that I am not able to get credit because they did not include my phone number on the Fraud alert. I called and wrote Equifax asking them to add my phone number to the alert or to remove the fraud alert. Each time I do that Equifax put a brand new fraud alert on my credit. I was denied credit for the fourth time with XXXX XXXX XXXX because of the fraud alert. This has been going on for a year

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has not removed a fraudulent hard hit from XXXX dated : XXXX XXXX, 2015. I have requested this removal several times. XXXX XXXX stated that they have submitted the request multiple times as well. 

Equifax , please remove this hard inquiry now.

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 — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed bankruptcy in XXXX XXXX. My credit report states and have stated it would come off XXXX XXXX. I have disputed this action with equivalent and they states that it can stay on my report for up to ten years. I ask what factors that in or what or who decides that it has to stay on my report " UP '' to ten years. It has been to my knowledge and when I filed by my lawyer at the time it could be from XXXX 10 years. As I stated my report says 7 years by the date, it does n't state ten years. I can not get no straight answer from Equifax on why and who decides that it must stay on my report up to ten years. They say the are going by the fair credit reporting act but when I call to ask the same question to frca, the agent as well could not answer why or who determines that it stays on credit report for up to ten years. I requesting it to be removed because by the suggestion of my lawyer saying I did n't need to go through with it, since my situation worked out. So I just been waiting out my years for it to fall off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Equifax credit reporting, Hi Rep this is XXXX XXXX the following account was deleted from my credit files due to Identity theft/Fraud. You guys are over 60 days late deleting. the Companies has deleted these XXXX following accounts over 69 days ago. can you please follow through and Delete these XXXX accounts. They have already been investigated along with Affidavits sign. I have also received a letter from One company saying they submitted it for deletion and you guys are still the last to remove. 
I know you guys are very busy I have written 2 letter to you guys but no response. The accounts to be deleted is 1. XXXX XXXX {$780.00} 2. XXXX They have been removed from my other credit reporting burials. Thank you very much for all your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
This is regarding original case number XXXXfiled on XXXX XXXX. Today is XXXX XXXX and the company responded on or around XXXX XXXX. By their own admission they are unable to locate this fraudulent account by my name ( document proving this attached ) yet they have not taken this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was at the casino. I left my purse on the table and turned around and when I returned, my card was gone. I believe someone is pretending to be me and I am a victim of Identity Theft. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been paying my Car payments on-time and within the agreed terms before XXXX of every month ( XXXX XXXX allows 10 days gace period ) as agreedtowards my Car payment to the XXXX XXXX XXXX. 
All the XXXX credit Bureaus ( XXXX, Equifax & XXXX ) have been reporting between 10-14 late payments ; although I have PAID -IN TIME. 
Kindly take necessary action againist all the XXXX bureas

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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 BEEN TRYING TO FILE A DISPUTE BUT I CANT ANSWER ALL THE QUESTIONS AND ITS VERY SUSPECTUAL THAT SOME OF THE THINGS THEY ARE ASKING ME HAVE BEEN DONE BY SOMEONE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
I contacted XXXX XX/XX/XXXX because I wanted to get my student loans situated and take part in the Student loan forgiveness program. I called and spoke with XXXX. I told him my situation and what I was wanting to do. He said they would help me get my loans consolidated and start the repayment plan. They went into my XXXX acct and setup a username id and had stuff sent to an email address that is not associated with me. I found all the out because I received a bill from XXXX stating I owed {$930.00} by XX/XX/XXXX. After contacting Fedloan I found out that everything they said they would do was not done. They were supposed to submit my forms so that I could be put on Student Loan forgiveness plan they did not. I have been paying them a monthly fee of {$39.00} since XX/XX/XXXX and for nothing.

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 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed several times with Equifax and no actual investigation has taken place due to the followingXXXX XXXX # XXXX - Outdated, past the statute of limitations, inaccurate and disputing with creditorXXXX Mtg # XXXX - Outdated and inaccurate past the statute of limitationsFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an errorFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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:
I applied to receive my free annual credit report and was denied. The site asked me what company I received my mortgage loan from, what month those loan payments fell on and how much those payments were monthly. I 'm XXXX and do not have a mortgage nor a need for a mortgage loan, nor have I ever applied to receive a loan from any bank at any time.

Company response to consumer: Closed with explanation