vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
I have been making payments through equitable acceptance that was to be towards my loan for a debt consolidation. When I went to purchase a car, I was informed my tax return would be taken due to defaulted loans. I thought it was a mistake as I had been making monthly payments to student support through equitable acceptance on time since XX/XX/2016. When I called student support, I was told my case manager was not available and the supervisor was in a meeting and unable to help me. I asked for another supervisor and was given another phone number. I spoke to a supervisor, XXXX XXXX, who informed me my loans from XXXX were not included in the consolidation upon admission and therefore, had gone into default. She told me I had not completed a rehabilitation program and I had to go through another. I informed her I had been through a rehabilitation program in which she asked for the paperwork. I scanned the requested paperwork in and emailed it to her and she stated this should speed up the process so that my loans could get out of default and I could purchase the vehicle to transport to work. I have not heard anything else from Memory. I emailed her to update my telephone number and she said thank you. In the meanwhile, my credit score continues to go down, my tax return is to be taken this year even though I make payments monthly to this conpany who dropped the ball and now I have to suffer for it. I do not want this happening to any other professional as this supposed service appears to be deceitful to many hard working professionals. XXXX XXXX 's direct phone number is XXXX, her email is XXXXXXXXXXXX. There is no student support here and I really do n't want any other professionals being fooled into thinking they are helping and really are doing harm. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Fair Credit Reporting Act requirement is for the credit reporting agency within 30 days of a dispute or remove an time. Equifax did not respond within 30 days. 

The letter I mailed along with a copy of my social security card in which I attached to my letter to Equifax are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XX/XX/XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, XXXX copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All XXXX credit reporting agencies are reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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:
on XXXX/XXXX/2016 I file a dispute with Equifax about a Bankruptcy on my credit report as of XXXX/XXXX/2016 I have not received a response yet according to fair credit reporting act the have 30days to respond compliant # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Requested an investigation because of inaccurate information on my credit report. In the dispute I requested that the information be deleted. I made this request on XX/XX/2016. Equifax received the letter on XX/XX/2016, USPS Tracking Number XXXX. I just received a response today. The response was in reference to a second letter that I sent to them. Per the FCRA all items are be deleted if the investigation was n't conducted within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and have started the process of disputing by requesting my free credit reports. I have received my XXXX and XXXX report, but have been denied access to my Equifax report online and by phone. Maybe coincidental, but the person who has done the fraud is also located in Georgia where Equifax is located. Other members in my family have also been affected by this identity thief. I just need my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I still have the collection sitting in my credit report form XXXX XXXX ( XXXX ) and I paid it on XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL CREDIT AGENCIES CONTINUE TO VIOLATE FCRA WITH REPORTING PUBLIC RECORDS OF BANKRUPTCY 4 TIMES ON CREDIT FILE/ NOT MY ACCOUNTS/ ID FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau refuses to delete the information as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX2016 i have submitted a dispute to Equifax Information XXXX about a Judgement that has been reporting on my Equifax Consumer Report in the name of XXXX XXXX Special Civil Part Plaintiff ( XXXX XXXX XXXX ). In support of my dispute i have provided Equifax a copy of my Police Report and Identity theft Affidavit signed and Notarized. 
Equifax continues to report the fraudulent account that does not belong to me and should not be reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.

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: MD

Complaint narrative:
Equifax continues to report a tradeline for the collection agency, XXXX XXXX in spite of the fact that the account can not be verified. I contacted XXXX XXXX directly and they informed me that they did not have any accounts associated with my social security number. I subsequently disputed the account with Equifax, XXXX and XXXX. In response to my dispute, XXXX and XXXX removed the account from my report, but Equifax has continued to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit was sent a dispute on XXXX XXXX XXXX, advising them that the information as far as the balance, last payment received and amount of payment were reporting incorrect. Since that time as of XXXX/XXXX/2016 equifax has placed this creditor with my creditors that were apart of the ChXXXXBK on XXXX/XXXX/16. This creditor was not among those being discharged, this debt was Reaffirmed. My payments are current and the information that was previously reporting should be added back to my credit history per first report attached below with the payments showing XXXX monthly, XXXX balance, all payments are current last payment XXXX/XXXX/2016. I have attached the Reaffirmation agreement from the BK, please update with the current balance of XXXX, along with correct terms to date from agreement. I 've also attached the previous report showing my auto loan showing the correct information on XXXX/XXXX/16 before equifax completed an error on my report, along with the new report on XXXX/XXXX/16 showing my auto has been closed and put under the incorrect status as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, I have recieved no response, nor has the items disputed been removed from the account. Equifax has now broken the law by not following Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg, Section 611 ( a ) ( 5 ) ( A ) ( i ). and FCRA 15 U.S.C. XX/XX/XXXXi

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Contacted Equifax today XXXX/XXXX/2015, in an attempt, to dispute inquiries. I initially spoke to a customer service rep by the name of XXXX. She submitted a dispute for a collection account with confirmation number XXXX. She stated she was unable to dispute any inquiries. She continued to say the Fraud Department would have to assist me. I spoke to XXXX in the Fraud Department. He stated they are unable to dispute inquiries, because they are factual. I then requested to speak to a supervisor. I spoke to XXXX who stated she was a supervisor in the Fraud Department. I explained to her about the inquiries and attempts to get discrepancies resolved through the creditors, without success. I also told her that I was told by the CFPB that credit bureaus have to dispute inquiries and could provide me with documentation used to complete the investigation. She then told me they do not have the capability to dispute inquiries. I then told her that inquiries were able to be disputed in the past. Asked had that changed. She stated again they do not have the capability to dispute inquiries. The inquiries in question are listed below Settlementone : XXXX XXXX BANK XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 Equifax Mortgage Services : XXXX XXXX XXXX XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is about Hard Inquiries placed on my credit report by Equifax these inquiries was Fraudulently placed on my credit report and preventing me from obtaining credit. 
XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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:
Equifax failed to provide me with the adequate documents they have on file to verify the accounts I have disputed. From my understanding the credit agencies have 30 days to respond to my disputes. Being that the 30 day mark period has expired without a proper investigation or proper verification of the accounts should promptly be deleted as per FCRA section 611 ( 5 ) ( a ). I would really appreciate if you could take care of the matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complain against Equifax. Equifax made an error on the reported date data element on a negative report as a result of a short sale during the XXXX recession and has not make the correction, causing significant delays in my ability to get a mortgage loan at the current interest rate. The reported date of this negative account should be XXXX XXXX because the issue has been resolved and closed around that time. However, the date that Equifax shows on the reported date was XXXX/XXXX/XXXX, which was the date that I disputed them on another matter on this account. On XXXX XXXX, I submitted a dispute asking Equifax to change the reported date of this negative account back to XXXX XXXX. Today when I checked the status of the dispute, the date has been changed to XXXX XXXX, XXXX, which will eliminate me from getting a convention mortgage loan for next 7 years. This is so because lenders are saying that I have to wait at least 6 years for a conventional loan if you have a short sale on my credit report. It has been more than 6 years since the short sale, and I 'm trying to get a conventional mortgage loan. My credit scores are now above XXXX. However, lenders I talked to so far are unwilling to make a conventional loan offer because when they ran my credit reports through their system the reported date data element of Equifax on this negative report shows XXXX/XXXX/XXXX and now XXXX/XXXX/XXXX instead of XXXX XXXX. The other XXXX credit bureaus are fine because the reported date of the same account show XXXX XXXX. Because of the XXXX/XXXX/XXXX reported date and now XXXX/XXXX/XXXX on my Equifax credit report, I am unable to qualify for a mortgage loan. Equifax might not be aware that the reported date data element are being picked up by loan systems as the first date of a negative report. I am asking Equifax to correct this error and share this complaint with CFPB because I have a feeling that I might not be the only one. If XXXX others are impacted by this and ca n't participate in the housing market because of this data element error, I can imagine the impact of this error on the economy and the lives of so many households. Please get Equifax to understand that they are not just dealing with data. The mistakes they make have real consequences in the economy and people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Credit Information Services , Inc is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, Changing the dates on debts that are reported on the credit report to prolong the length of time that the debt is reported on the report. I send Equifax several letters requesting signed, written verification or validation, They just send me back a letter as soon as they can stating that the debts are verified. I happen to know for a fact that the XXXX XXXX account is not mine and it 's been on my credit report for over seven years and they will not remove it. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the XXXX Court and I was told by them that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? I have attained legal counsel and will be filing a lawsuit as soon as possible due to the fact that Equifax has violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I am a part of the suit class. If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.

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: IL

Complaint narrative:
In 2013 I filed a identity theft report with all XXXX credit reporting agents. they removed all items that where in dispute. I recently had items come up around the same time 2013. equifax and trans wont remove the items with a police report and ftc complaint number saying that the items belong to me after they removed them for year. there are items that do n't even match my social and they wont remove I ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Credit Card Company did not do a investigation but only did a rubber stamp of questionable statements. FCRA says 7 years from the " first default '' which means when I could not use the account. Which for many of these accounts was a lot earlier than there so called write offs. If you ca n't use the company 's services, like cashing a check, using the lobby, for all intents and purposes you account is closed and in collection. These organizations tend to add a 5 to 7 year extra space of deliquency saying its open but you owe and are deliquent aka default. I have ask for them to look at the additional evidence of account activity to show whether the account was active. that was ignored. This is not an investigation especially since its not an impartial agency or has investigators with adequate training.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing XXXX bankruptcy 's on my file that do not belong to me. I disputed the information and Equifax claims to have verified the information on XXXX/XXXX/2015. I 'm requestingthat Equilfax actually verifies that information so those items can be removed from my file.

Company response to consumer: Closed with explanation