vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have escalated this issue to Equifax multiple times Since XXXX, XXXX and all I get is a repetitive auto response. I have sent certified mail to XXXX XXXX XXXX account XXXX requesting validation and received NONE : XXXX/XXXX/XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX Following the FCRA, this account needs to be removed for failure to validate the allege debt. I 'm attaching copies of the original letters requesting validation as well as Equifax automatic responce. 

I have reached out to Equifax multiple times, and all I get is a repetitive auto response from them : XXXX/XXXX/XXXX - USPS XXXX XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX I requested validation from XXXX XXXX XXXX and received none. I then disputed this with Equifax multiple times, and still have not received full validation. It is way past the 30 days from my original request of validation, and all I get back from Equifax is that they have performed their research and verified 'the balance is reported correctly ' Yet, they still do not show proof of their research showing what validation they have on this account. 

This is violating the FCRA. If validation is requested, then valid proof of this allege debt should have been handed to me, and it was n't and it is now past 30 days. 

There are XXXX apts on this complex and when I returned the apartment, there were no damages reported ; The property management at that time did a walk through with me and we both signed a piece of paper that there were no damages to the aprt. That piece of paper is valid proof that there is no damages to the apt and I have requested that piece of paper as validation for this allege debt, I have also requested pictures or any evidence that came out of this apt and again I did not received any such evidence. The apt complex changed management since then and I have had difficult time researching this allegation. I have requested for validation/proof that there is such allegations and received none, I have escalated this with Equifax and am stuck with their repetitive responses. This allege debt has caused harm to me and my credit and is building punitive damages and all I get from Equifax is a repetitive response. 

Again, I requested for validation and received none, and this is still being reported on my credit file. This is a validation of the FCRA on which I have escalated this three times with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XXXX, I wanted my XXXX score from EQUIFAX and was willing to pay for this. I ran into convoluted procedures indicating that, I first had to sign up for credit monotaring with opportunity to cancel within 30 days. I proceeded but did not receive any report. I called them to cancel and as assured that '' it was cancelled. However, XXXX {$4.00} charges showed up on my XXXX bank statement ( which I will dispute, of course. Reading the XXXX, I seem to be a victim of a common manner of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I get a judgement on my account who was posted on 2010 and still showing up twice with XXXX and Equifax. This need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the findings of Equifax Information Services , LLC because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Equifax Information Services , LLC supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Equifax Information Services , LLC did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Equifax Information Services , LLC did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Equifax Information Services , LLC refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I called Navient to lower my student loan payment because I can not afford to pay {$450.00} a month. I tried to reason with them and ask for low income payment but they continued to deny me because my parents were co-signers. We spent 3 hours on the phone arguing and they said they would n't do anything until I was put into collections. They said my type of loan did n't qualify. The bottom line is I can not afford these payments making {$18000.00} a year. Half my income is rent and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute to Equifax for inquiries on my report. The response that I received was that I could contact the creditor if i believed it was in error or not authorized. Requesting them to assist me which would make it much easier than directly contacting these companies when you call these companies a lot of times the employees do not know and will refer you to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a complaint stating that the Collection Information was inaccurate in its filing. As the term agreement of the accounts : XXXX XXXX XXXX. file ID # XXXX and XXXX XXXX XXXX file ID # XXXX has been satisfied in its entirety. The credit reporting agencies are still reflecting as owing with concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a judgment on my credit report from XXXX. It is saying unpaid but I finished paying in full of XXXX 2015. I was told multiple times by XXXX that it would be updated but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX : paid in full and I was only late XX/XX/XXXX sent proof still said late for 6 other months I was not late XXXX : I had sent letter that asset acceptance agreed to remove- equifax has not removed XXXX and XXXX XXXX NOT MINE. I never opened, knew about or made a pymt to them. sent letters to creditor to dispute no response XXXX this acct was first delinquent XX/XX/XXXX so too old to be reported. It was originally under XXXX and when XXXX bought them out they changed dates/info. 
XXXX XXXX : Equifax had removed XX/XX/XXXX since I said was not mine after dispute and now on again. it is NOT MINE and I want removed. sent letters to creditor to dispute no response XXXX for XXXX- not mine and I had no knowledge. I want removed. I NEVER had XXXX. sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX XXXX. I have cable. I want removed.sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX ( again ). I want removed. sent letters to creditor to dispute no response. Thiw was reported under XXXX XXXX XXXX for XXXX and removed in dispute in XX/XX/XXXX. XXXX bought by XXXX and this creditor bought acct from XXXX XXXX looks like. 
There are many duplicate inquiries for accts that I want removed and also I did not authorize XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want removed since no permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote to Equifax to have an error on my credit report corrected. I had an auto loan with XXXX Bank, all payments were made on time and paid as agreed. Equifax is reporting erroneous information regarding this account, there have been no late payments. In response from Equifax I received the attached document. It has another person 's name and credit information. Equifax did not address the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the accounts as being fraudulent and not mine or opened by me. They refuse to remove the accounts from my credit file or remove them only to re add them later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Here are the items I have identified as inaccurate. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101. We have reached out to them twice to prove they are in compliance with Texas Finance Code Section 392.101 with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX2016 I received an updated credit report with a previously disputed account, XXXX XXXX XXXX being deleted from my file. On XX/XX/XXXX2016 I received a credit monitoring alert with XXXX XXXX XXXX being reinserted on my file. This account was never verified, nor was proof of verification sent which is why it was deleted on XXXX/XXXX/16. I was never notified within the 5 days of this account being reinserted on my file or proof of veriffictation method or documents. When I contacted Equifax I was advised the account was never disputed, there were no police reports on file, and the account belongs to me. I have an updated credit report from XX/XX/XXXX2016 with this account listed in the results as well as a report from XXXX/XXXX/16 showing this account was removed. The rep then hung up on me once I started quoting the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax failed to Block fraudulent information on my consumer credit report that is being reported as a result of identity theft. Per XXXX XXXX XXXX ( a ) I have mailed Equifax a dispute on XXXX XXXX, 2016 about fraudulent accounts being reported on my consumer report attached with my dispute i attached my police report and FTC fraud affidavit and Equifax did not comply with XXXX ( a ) despite telephone calls and electronic communications about the fraudulent accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file XXXX new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all XXXX credit bureaus, and also to the apartment complex XXXX XXXX. 

Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Equifax on my behalf and further investigate this matter. 

Thank you very much, and I look forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.

Company response to consumer: Closed with explanation