vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Timothy C. Runyan, P.C.
State: MI

Complaint narrative:
I am continuing, for my rights for a debt that I do not owe where my income tax, veteran check and pension check is be garnished, my bank account is frozen, I ca n't pay my bills.i still have this company in dispute, they never validated this bill I 've ask them for XXXX yrs, they never did it yet they never call me not once, to prove this bill is mine even though i was defaulted for not going to court. For a bill they will prove I owe.thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reinserted previously deleted information showing on my Equifax report. Reporting account XXXX, have no balance in should not show on report once it was removed now reinserted on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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

Complaint narrative:
Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : PLEASE UPDATE MY CORECT ADRESS TO MY FILE XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: MD

Complaint narrative:
I consolidate ALL of my student loans XX/XX/2015 and was previously with XXXX. I had an outstanding loan with XXXX College which was paid in full once my loans were consolidated. For some reason XXXX is still reporting negatively on my credit reports. Now that my loans have been consolidated with FedLoan, I was advised to apply for an Income based repayment plan which resulted in over {$800.00} a month which is not financially feasible for my family size and monthly financial obligations. Is there something that can be done. I am trying desperately to clean my credit and these loans are out of control at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 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 filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is not allowing me to see my credit file and my credit score because they put my credit file in the consumer affairs department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from Equifax on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an address listed on my credit report that I have never lived at. The address is:XXXX XXXX XXXX. 
XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX authorized user accounts. These XXXX accounts are my wife 's accounts. The issue I am having is Equifax is removing these accounts. I have called the banks and confirmed that Equifax is removing them. I have to call these banks every month to repost. Only XXXX account out of the XXXX will show up on the Equifax report at one time. I spoke to XXXX on XXXX/XXXX/2016 and they said that they report every month to Equifax. I spoke to a Equifax supervisor on XXXX/XXXX/16. I was told that since my credit report file is large that Equifax does not have enough room to report these authorized user accounts and these AU accounts are being removed. This is not acceptable. This is hurting my credit history and credit score. Equifax said that there is nothing they can do to fix this issue on their end. My credit is not reporting accurately. Equifax needs to fix this. Equifax has basically told me that my credit report is going to keep reporting incorrect information and they will not fix it. There is no dispute number since there is no account to dispute because Equifax removed it. I am including my XX/XX/XXXX Equifax. It lists the XXXX XXXX XXXX Account, XXXX, and XXXX XXXX, and XXXX account, The Equifax report in XX/XX/XXXX has XXXX. The Equifax XX/XX/XXXX XXXX was removed. According to Equifax while we were on the phone the XXXX AU account re-appeared shortly after the XXXX account was removed. This needs to stop. I need all of my wifes AU accounts posting correct on Equifax. XXXX XXXX XXXX and XXXX show up on the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I 'm contacting CFPB to aid me in resolving previously deleted accounts that have reinserted on my credit file. 

My Equifax report dated XX/XX/XXXX showed no " Negative Information " reporting on my credit, see attached online print out. My current report dated XX/XX/XXXX shows XXXX accounts under the " Negative Information '' section ; see attached online print out. I have previously disputed these XXXX accounts with Equifax : XXXX XXXX XXXX, XXXX XXXX, and XXXX Card. I recently sent a dispute on XX/XX/XXXX under Confirmation # XXXX ; enclosed is a copy of the dispute. 

Equifax reinserted the XXXX deleted accounts without notifying me. The FCRA states that they must inform me within 5 days of the reinsertion. 

I 'm in disbelief that this error is happening on my file. In XX/XX/XXXX I resorted in contacting the support of the Consumer Financial Protection Bureau on an item that had been deleted and reinserted. Through your support Equifax fixed the error. 

It 's absurd that they are violating my rights under the FCRA and they are careless. It seems to me that without resorting to filing a complaint with the Consumer Financial Protection Bureau, they do not follow FCRA procedure. 

In addition, the state of Nevada revised statute clearly states that a dispute must be completed within 30 days ; yet the online system shows XXXX disputes " pending '' from XX/XX/XXXX and XX/XX/XXXX How could I possibly trust this company 's procedure when they have violated the XXXX and XXXX laws over and over again on MY file. It seems that this is their " standard '' practice. 

Equifax needs to be sanctioned so that they do n't commit these types of errors again nor with other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX I ordered my Equifax credit score through XXXX. The cost was {$7.00} which was taken from my account. I never received the report. When calling Equifax, they tell me that I never ordered a report. They say the transaction number is XXXX digits and mine is like XXXX. They told me to contact XXXX at ( XXXX ) XXXX which I did but there doesnt seem to be any way to speak to a person there. I am attaching supporting documents. I want my credit score report or a refund. I did not get what I paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect for an account that is not mine. It was my girlfriends XXXX account that I was ONLY an authorized card holder on. It should be removed due to this. XXXX shows it on my credit report as charged off in XXXX. The breach of contract happened in early 2008. The account for XXXX XXXX XXXX XXXX is beyond the FCRA limits of 7 years and should be removed for that reason as well. They are also violating the FDCPA because I have asked them to validate this debt prior to reporting it and they refused. So I have XXXX and XXXX XXXX XXXX reporting a bad mark on my credit that should n't be there because it is over 7 years and it was n't mine and to top it off they refuse to validate it or allow me to prove it is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
There is an account being reported on my Equifax credit report as an OPEN account in collections. The account has a {$0.00} balance and was discharged in Bankruptcy yet is still being reported as OPEN. This should be a closed account. The following is showing on my EQUIFAX Credit Report : Agency : XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XX/XX/2011Status : Open

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I requested a copy of my credit report for review and found XXXX discrepancies. There is a XXXX after my name showing XXXX XXXX XXXX XXXX, and I have never used any numbers after my last name. There is also a former address that is not mine listed on my credit report that is the next address listed under my current address. The incorrect address on the report is XXXX XXXX XXXX, XXXX, IL. XXXX. This was reported on XX/XX/2012 and last reported on XXXX/XXXX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
report number XXXX Equifax changed my name to a former married name. 

My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I made application on line for my report, they will not let me see the report, telling me to call them. After 1/2 hour on the phone to them, no one answered. It is sad that personal information lies with those we do not know. Sadder that we can not even find out what is being reported on us, without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It is that time for my daily complaint against Equifax. They are going past 90 days on the investigation and still can not get their information right. Equifax should no longer be allowed to be in the business of credit reporting.

Company response to consumer: Closed with explanation