vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Equifax that they could not provide my credit report due to technical difficulties. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' website also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 
Please note that I have filed a related complain with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
RE : Equifax and XXXX Credit Report I am writing this complaint because I have gone through this long enough with both of these companies without a solution to this problem. I have tried to request copies of my credit report from both Equifax and XXXX and I have been constantly rejected each time. I have even gone through Free Annual Credit Report and still ca n't get my reporting due to being told that I have no credit file on record. I am being told that there was a freeze was placed on my file and I do n't know by who.This has cost me credit as well as job opportunities all because these people want correct my reports. I have asked and asked Equifax to correct this error and it seem to be have gone on deaf ears once again. My inquires on my credit reports are outrageous due the errors made by Equifax and XXXX which intend has affected my other score. I am requesting that all of that be corrected for future inquires. Equifax has asked me to mail, fax and everything else to them my personal information and I have done that on several occasions with no change in my report file when it has been pulled. I am starting to believe that someone there has hijacked my credit because all I get when I asks for answer to what going on with my report is the run around each and every time. This has also been the case with XXXX. Every time I have tried to request a credit report I am told that I have already received my free report and on that note I ca n't have because I have never requested one until recently. I have submitted all my personal information to Annual Credit Report Request Service to see if l can get some help solving this matter that seem to be of no concern to these XXXX Credit Bureaus. I have enclosed per their Request by their Mail in form a copy of my Social Security Card, Pay Check Stub with mailing address and a copy of my current Alabama Driver License to prove my identity and that I am in fact XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is line item, after line item, linked to my credit history that belongs to my former spouse. For example : filing for bankruptcy on a house I never owned, to bank accounts not in my name, credit cards, among many others, has somehow become attached to my credit history. I just discovered this information in a recent credit report request. It 's never shown up before. Why now? How do I remove this from false information from my credit history? Is this the only site that I can place this information? I am supporting my XXXX children and have suffered from this false reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I requested from XXXX XXXX and XXXX XXXX to remove Hard inquiries from my Equifax credit report. They have acknowledged they would. concurrently I had request Equifax to remove these inquires, knowing they should be. They have refused, however Both XXXX and XXXX XXXX have certified they should be remove. ( see attachments. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute in XXXX to XXXX Equifax and XXXX. XXXX completed their investigation and found out XXXX of the information that I disputed should not have been on my credit report. They removed, updated and corrected the information. XXXX has not done the same. Equifax refuses to fix my credit report. They have information on their that 1. does not belong to me and is incorrect ex. pucblic records, XXXX and XXXX investigated and removed. I pay for a monitoring service from all XXXX. They should update from the other 2 credit reporting agency. My XXXX score is XXXX with XXXX. XXXX XXXX is XXXX and equifax if a XXXX. That is unacceptable. Equifax and XXXX should be reporting the same as XXXX who took the time to investigate and provided the correct information. My financial situation is severly getting affected because of Equifax and XXXX. Please have Both equifax and XXXX update my credit report as XXXX did. All information on XXXX is correct. I am also attaching all XXXX of my current credit reports so you can see how bad equifax is. I only had to call and dispute once with XXXX. I called Equifax 15 times and disputed about 10 times and they still refuse to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Account # XXXX creditor-XXXX, is not reporting correct information. 
This account is NOT in Forbearance I have requested to have forbearance removed since XXXX XXXX, 2015 and I resumed making payments starting XXXX XXXX, 2015. A payment of XXXX was drafted out of my banking account on XXXX XXXX, 2015 from XXXX so how can this account be in forbearance? According to last credit report which was obtained on XXXX XXXX, 2015 it still shows last date reported on XXXX XXXX, 2015 by XXXX under Comments section ; account in forbearance this is Not accurate credit reporting. I am asking for the fifth time to have this comment removed. This is Not fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Creditor is seeking payment from me for a debt that is not mine. After reviewing my credit report and researching the information, it has been proven that the Creditor is owed by someone with a similar name. This issue relates to an older vehicle that accumulated citations and a collection agency is attempting to collect the debt. I was able to retrieve the tag number and make and model of the vehicle. I have never owned that vehicle or the tags associated with it, and this information is documented in the XXXX XXXX. Therefore, I am requesting that this Creditor and this debt be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I believe that someone has used my information to apply for credit at one or more banks, including the XXXX hard inquiry shown on my report. I did n't apply for this credit. I 've also received numerous " response '' emails and calls to applications and emails that I did n't write, to various insurance and financial service companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a copy of my Equifax credit report. The credit report showed a credit inquiry by XXXX, XXXX, and Equifax Mortgages that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have asked that this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. I have asked so kind as to forward me documentation that they have had the unauthorized inquiry removed. 
Or if they find that I am remiss, and they did have my authorization to inquire into my credit report, then please send me proof of this. 
Equifax is refusing to investigate unauthorized inquiries on my credit report.

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: SC

Complaint narrative:
I have contacted the credit reporting agency numerous times by certified mail asking them to provide proof these inquiries authorized. They have yet to provide documentation, and these items are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent equafax a request to investigate a few inquiries on my credit report multiple times. They do not seem to do a proper investigation. I have tried multiple times to resolve this issue but they keep sending me the same response back.

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

Complaint narrative:
I have filed a Chapter XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX is listed in the bankruptcy. I had XXXX accounts with them that 's been discharged. XXXX is only listing XXXX of XXXX as discharge and reporting the other XXXX debts as delinquent on my credit report. The XXXX accounts should be closed because I have n't used them since XX/XX/XXXX.I 've contacted XXXX several times about this matter with no solution. Please help. I 've turned my credit around and XXXX is maliciously hurting my chances of being a home owner! XXXX and XXXX are reporting the debts as closed and discharged through bankruptcy which is correct. Equifax is falsely report these accounts as open. Equifax and XXXX is reporting falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.

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

Complaint narrative:
Equifax shows a Bankruptcy and a Tax Lien on my credit report. I do not have ANY Bankruptcy or Tax Lien. I disputed the information with Equifax. Equifax said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Equifax but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.

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

Complaint narrative:
The account in question has been reported since XX/XX/XXXX as delinqent and equifax have it as XX/XX/XXXX which it worng and the statue has expired to report the accounts. 
The reporting dates are diffrent than my Experian report by years of 5 plus. 
XXXX XXXX ( XXXX XXXX XXXX

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 — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Numerous times this month, I have faxed my driver 's license, utility bill and Social Security Card to you without a response or correction to my credit report. XXXX Is my report number where XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my address. The other addresses do not belong to me. Please delete these addresses as they are hindering my ability to obtain credit. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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 do not owe XXXX XXXX XXXX or XXXX Apartments. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I left the complex and paid my rent in full. There were XXXX instances which the complex was unsafe as direct result of management neglience which caused me to suffer theft of property and put my life in danger due to possible fire. That was the reason I left the complex. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Spoke to a Equifax CSR on XX/XX/XXXX was told that a paid state tax lien and a paid judgement were eligible to be deleted and that it would take 48-72 hours for my report to be updated. This was not a dispute just a call to see when they might be removed. A week later they are still on my report. I called today XX/XX/XXXX and they claimed that they did n't have record of the call. I asked to speak to the supervisors boss. I waited about an hour for her to come on line explained to her what happened and asked her to review the taped conversation. She said they will be will not give me any feed back. I asked for a call back and I was told that I would not receive one. I attempted to email senior executive and email was returned. I would like information removed, I was told it would be removed, there are no laws that state it must stay on my report Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 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 continues to report inquiries not authorized by me and refuses to properly investigate with the sources as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have never lived anywhere except XXXX, Louisiana my entire life. There areally XXXX addresses listed that are n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XXXX XXXX XXXX XXXX " auto loan " which I had an excellent payment history on my auto loan, indicated to me that Equifax should start reporting my good standing account. 
As of today, XXXX 2016 Equifax does not show my XXXX XXXX account account status on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SOMEONE USE MY INFORMATION. THIS ISNT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked multiple times for XXXX, XXXX XXXX and Equifax to correct or remove the public record Ch. XXXX Bankruptcy. They have not and continue to report it as a new Bankruptcy. My credit report needs to read " Date Filed : XX/XX/XXXX. '' " Date Successfully Completed : XX/XX/XXXX '' All XXXX credit bureaus have this as a New Bankruptcy and they refuse to correct their wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
that was filed in my chapter XXXX in 1998

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: PA

Complaint narrative:
i did not authorize this inquiry : XXXX

Company response to consumer: Closed with explanation