vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report a XXXX credit card on my credit report as an authorized user. I want this to come off my report as I am not responsible and not an authorized user of this specific XXXX account. I have requested this twice over the past XXXX months and this account is still showing up under my report. 
There should only be XXXX XXXX Bank Credit Card on my credit profile and not XXXX! XXXX is mine and my obligation while the other is NOT my obligation and should be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
been a victim of identity theft 4 times and want to monitor my credit report ca n't monitor my credit report with Equifax. there is an error or problem on my credit report they ca n't fix it some technical issue they said they wo n't be able to monitor my credit report and they wo n't fix it. they have had numerous technical tickets sent up. but not able to fix. so anyone can get into my Equifax credit report. how many other people will they deny

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Equitable Acceptance Corp
State: OH

Complaint narrative:
Equitable Acceptance, XXXX XXXX XXXX, MN XXXX XXXX Toll Free XXXX I contacted this agency regarding assistance with repaying my outstanding Student Loans. I was informed that they would assist me in developing a repayment plan. I was emailed the documents to sign and return. Then they requested my Tax Returns for the past 2 yrs. be faxed to their office. I completed the process and then was informed that my payment was $ XXXX/mo. that would be deducted from my bank account at XXXX. I then received a statement stating that I owed {$1200.00} which is not my Student Loan Balance Owed. I contacted this company to cancel this transaction and was told that none of the monthly payments were going toward my Student Loans and that they had purchased my Student Loans from the original lender. I then contacted the original lender and was informed that they still are holding my Student Loans and they were never sold to this company. Equitable Acceptance is a loan company that is misrepresenting their products to students and getting them to take out loans thru their finance company. I did not request a loan with this company and was given false information regarding their service to people with outstanding Student Loan Debts. I want them to refund my money back and to be shut down from soliciting business on the radio to people with Student Loan Debts seeking assistance with a repayment plan to resolve their Student Loan Debts. I have been tricked into taking out a loan with a finance company that is not providing any assistance to me with repaying my Student Loan Debt. I want this loan cancelled and a full refund of my money. This was a horrible thing to do pretending to be a servicing agency to help people with outstanding Student Loan Debts. Thank you in advance for your time and assistance with this critical matter. Account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX and Equifax is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. Equifax was not giving me credit for my mortgage XXXX that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX these credit bureaus are out of hand with this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Zenith Financial Network Inc
State: CO

Complaint narrative:
called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The company that is responsible for providing my credit report can not verify my identity when I try to use their online service to request a credit report. After entering my information this message comes up 'We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. ' If I can not get through their system, how reliable is the information they hold about me and provide other organizations who may be running enquiries about my credit? 
How do I know enquiries on my name are actually about me if they ca n't event get my identity right? 
The only option to get a free credit report is to mail them personal information to a XXXX. This looks like a sure plan for identity fraud. Fortunately, I have some time on my hands so I will be taking it further with all the relevant federal and state agencies. 
Identity requirements from their website : 'Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security Number W2 form Address Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) '

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

Complaint narrative:
I have never lived at this The Address XXXX XXXX XXXX, XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. My first dispute of XXXX of the fraudulent accounts with Equifax happened on XXXX/XXXX/2015. I have uploaded all my documents proving the accounts were obtained in my name fraudulently, mailed hard copies, even faxed copies over to Equifax. 
I have asked Equifax to remove both accounts from my credit file, but to date Equifax has refused to do so. I have received correspondence from Equifax stating that it verified both accounts as belonging to me which is false. Had Equifax properly verified validity of both accounts, they would have been deemed fraudulent and removed from my credit file ; the procedure XXXX and XXXX followed, found both accounts to be fraudulent and removed from my credit files. 
Equifax is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent Unauthorized Credit Inquiry credit information. I 've contacted these creditors over 60 days ago requesting verifiable documents and they all have fell to provide such proof, but I was told by the companies below to dispute directly with Equifax and again and again equifax has refuse to remove these Fraudulent Unauthorized Credit Inquiry, it has been over 60 days in my fight with Equifax, it 's so frustrating to receive over and over again XXXX ; We have reviewed the inquiry information for The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All XXXX credit agency 's have my persons information. The home address they are reporting I have n't lived at in over 15 years, and the employers are the same. I need all my information corrected. I did advise XXXX to correct my information and they never made the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
1. XX/XX/XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged XX/XX/XXXX. all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XX/XX/XXXX, was not removed until XX/XX/XXXX. 
2. I submitted a letter to all XXXX agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've disputed the accuracy of a collection account on my credit report for over 6 months now. The collection if from XXXX XXXX XXXX , XXXX and it is in the amount of {$2600.00}. I 've no idea what this debt is for an I 've been unable to get anyone to send me information regarding this debt. XXXX and Equifax continue to list this as a debt I owe, though when I called XXXX XXXX they said this debt belongs to my XXXX year old daughter. Who not only has n't lived with me in over 7 years but has n't been on my insurance in about the same amount of time or more. The address that this bill is under is also different. My address is XXXX, Ga XXXX - But the address of my daughter who created the bill is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. It seems as if this is falling on deaf ears and it 's really damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The medical bill owed does not belong to XXXX XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for one bill that was reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report XXXX the state of XXXX because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting to Equifax Which they have not verified the debt that I Owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTORNEY GENERAL-XXXX Other XXXX XXXX, XXXX Open - 120-149 Days Late {$8000.00} XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 1 Missed Payment {$7600.00} XXXX XXXX XXXX XXXX, XXXX Closed {$5200.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$4100.00} XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$3000.00} Equifax XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$2500.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed 1 Missed Payment {$1400.00} Equifax XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1300.00} Equifax XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 7 Missed Payments {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For over three years Equifax has refused to give me my credit report. XXXX and XXXX have given me my credit report. XXXX asked me the following : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? My answer XXXX What is your total scheduled monthly payment for the above-referenced mortgage? 
{$1100.00} - {$1200.00}. As of XXXX XXXX, 2016, my payment is XXXX, down from XXXX, my answer, the current payment of XXXX. Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? My answer : XXXX XXXX XXXX. Your credit file indicates you may have had a student loan, closed on or around XXXX XXXX Who was the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE. My answer NONE OF THE ABOVE All of my answers are CORRECT, XXXX has erroneous information on me and is using this to hold my FREE report. My student loans were with XXXX Bank. It is 8 years later, these accounts are closed, never latter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I got results on XXXX XXXX 2015 showing accounts no longer reporting my equifax credit file. I have attach the XXXX XXXX results. A month or two later the accounts showed back up on my credit report. As per FCRA if items get reinserted I need notification within 5 days I did not get that. Violation of the FCRA. Either remove the items or the next letter will be from a attorney with a lawsuit and owing me money. I have tried disputing mult times with no luck. 
Here is what the FCRA says about reinserting, i ) If any information is deleted from a consumer 's file pursuant to subparagraph : ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause : ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am having trouble with XXXX XXXX and how they reported to the credit bureaus from XXXX. We had an agreement with XXXX to make fixed monthly payment on one of my accounts. I followed the agreed terms faithfully and made on time monthly payments. They however reported to the Credit bureaus that I was over 120 days late for the period in question. Attempts to speak with someone at XXXX have been futile with every rep saying that the time frame in question is too far back and they can not verify this information. The information they sent to the bureaus is wrong and they refuse to correct it. This has greatly hampered my ability to get favorable terms when I apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX XXXX ... It appears that Equifax changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered.

Company response to consumer: Closed with explanation