vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-08 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:
I have a loan pending with XXXX for a refinance. Since XXXX, XXXX inquiries have been made by XXXX and Equifax Mortgage Services on behalf of XXXX. 
I never authorize excessive credit checks by XXXX and Equifax Mortgage Services on behalf of XXXX. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files ( XXXX, Equifax and XXXX ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is incorrectly reporting a lien on my credit report. I have written them twice for evidence that such lien exists and they can not provide me with anything yet they still are reporting it on my credit report. I have also called and disputed this item, but they continue to say it is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have called, emailed and faxed to Equifax that they are not reporting my current credit cards, Why is it that XXXX and XXXX can do everything right except Equifax. 
I want my XXXX credit cards that i use to report on my Equifax report. They are hurting my score and paying history because they still to this date after months of telling them to add these tradelines to my report. 

1 ) XXXX Credit Card ... XXXX 2 ) XXXX XXXX ... XXXX 3 ) XXXX ... XXXX 4 ) XXXX ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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 ignored my desire to correspond and get details on how they continually verify XXXX liens in the public records section of my file. Initially they somehow kept verifying these liens as mine at my current address, which is not accurate. And now they are claiming that the liens are mine, only at another address, where I do not even live ... They are only communicating through this portal and not answering any of my letters where i am asking them to properly investigate this and see that that my mother lives at that other address and we have the same name. They ignore me! I have spent so much money at my local XXXX post office sending endless letters via certified mail with XXXX requested back and yet they keep sending me the same ridiculous response which makes no sense. XXXX and XXXX have removed these inaccurately placed liens on my files with them, what is Equifax seeing that they have not seen? I think that they are doing illegal verifications so they do not accept responsibility for their inaccurate reporting. Equifax takes advantage of its consumers and i will hire an attorney if these liens are not removed from my name.

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

Complaint narrative:
I have been trying to get Equifax to report correctly. They sent me a letter stating it 's been taken care of, but it 's still reporting the same -- that the amount is owed. XXXX has not corrected it as well, I 've been trying to deal with this issue for over a year and it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is claiming US Dept of Education is reporting accurately. They informed me I needed to talk to the data furnisher directly. So I sent requests for information multiple times with no response from them. I then sent a letter to Equifax informing them the US Dept of Education failed to respond to my request for further information. It has now been over 6 months since my original contact with the data furnisher & over 30 days since I sent my letter to Equifax to remove the account. I would like this account removed from my report immediately. Both XXXX & XXXX have removed this account months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
while reviewing my Equifax credit report they listed on it an account for real estate at {$56000.00}. I have no loan for real estate. The house I purchased in the past was handled through Chapter XXXX bankruptcy. I would like to have this investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.

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: CA

Complaint narrative:
XXXX first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Equifax says XX/XX/XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? XXXX with the first missed payment and XXXX for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax credit reporting agency is providing incorrect information on my credit report pertaining to the State of Alabama XXXX payments, that has been going on since XXXX. The information is not correct due to the fact that I have been XXXX since XXXX of XXXX and my child had been receiving payments from the Social Security Department since XXXX of XXXX. I feel that this is an unfair practice of the credit reporting agency and the information has caused great damage to my credit rating giving me the outlook of a XXXX father. This information is currently being displayed on my credit report and I am asking that it cease from further reporting ASAP. Thank You.

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

Complaint narrative:
The following items are listed on my Equifax credit report erroneously : Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual Remarks : Equifax Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I found XXXX addresses on my XXXX report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As XXXX address is in a state I 've never even visited..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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 been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, the tax lien has been removed from all bureaus as well except Equifax , and XXXX acct # XXXX. XXXX has removed both of them but Equifax left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Equifax letting them know that the other credit bureaus removed it and Equifax left it on showing verified. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX and the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I received a letter from XXXX stating that my application for a credit card had been denied and I should contact the credit bureau listed on the letter. I tried on line and they would deny me the report then I use the phone number on the letter and after giving then all the info it said they will transfer me to a Rep., it was busy and no way to get back or being placed on hold for the next rep, they finally hang up on me. 
I tried again but will not take my info anymore and there is no way you are allowed to talke to a live person. 
There should be a better way. On top of that the recording said I had to send by mail copies of all my documentation including SS card, driver license, bills, etc.. This is dangerous and I am not happy about it. How can we get a copy of the report by paying, but when it comes to a free copy they placed so many hurdles? UNFAIR. There is got to be a better way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife received a phone call from the dealership where we purchased our truck XX/XX/XXXX. They said they noticed we had been making our payments on time and would like to see us and possibly see about new options. We drove to dealership the following weekend and only had plans to discuss these new options. The salesman kept trying to talk us into purchasing a new vehicle on top of the one we already have and also told us we could just purchase a new vehicle and let the one we have go back. My wife and I specifically told them we were not interested in buying a new truck and stated that several times while we were there. While we were there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had stated I did not give permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the upcoming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because it was n't directly through them, that I would have to contact the dealership. I called the dealership and spoke with the man who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake ( Equifax said the could send in a statement explaining it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are XXXX negative reports on my Equifax credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine

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

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove the inquiries from my credit report that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted a written request to Equifax, asking them to remove the consumer statement I added seven years back. The company ( XXXX ), which I was disputing, is no longer disputing. This fact makes my old consumer statement irrelevant therefore incorrect.

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

Complaint narrative:
I have contacted the XXXX about the debt ( {$75.00} ) in order to pay it off ( attempted 5 times and leaving voicemail ). They never called me back to verify debt or anything. So I take it as this debt is no longer liable by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28 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 have forwarded a dispute with Equifax to remove XXXX inquires that are past due from the 2 year mark of removal. I have not received a response, regarding my request. 
- XXXX XXXX ( XXXX XXXX, 2013 ) - XXXX ( XXXX XXXX, 2013 ) - XXXX XXXX XXXX XXXX ( XXXX XXXX, 2013 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.

Company response to consumer: Closed with monetary relief