vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have asked Equifax to correct my name and they have failed to do so. My name is XXXX XXXX. 
Equifax keeps sending me a response with : XXXX XXXX XXXX. That is NOT MY NAME. I need my personal information updated as I believe the other persons information is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was told that the Bankruptcy that I filed in 2004, information was not showing in my report and it is attached you will find the documentation to support that they are still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting a public record of a judgement against me. I went to the court, and there is no such judgement of record from this court against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not used XXXX XXXX in any instance. I dont know how XXXX is on hard inquiries, i did not use them in any form

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 — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have XXXX student loan accounts with XXXX. I did not realize that payments started on them because the notifications were going to a former email address and I began to accumulate late payments. When I pulled my credit report and saw the payments, I contacted XXXX and spoke to them about removing the late payments. I updated my email account and my loans are currently in forbearance. I asked them how soon would my credit report update the current statuses of my loans and they told me that since it 's updated on my loan accounts immediately that my credit reports should update as well. I took no chances so I printed XXXX copies of all XXXX accounts along with a credit dispute form and a letter requesting an immediate update of my accounts and certified mailed them to XXXX, XXXX, and Equifax. Within 10 days XXXX app notified me that my accounts were updated on XXXX, and XXXX, but not Equifax. So I called the company and got connected to a very rude agent. He pulled my name and verified that all my documents were in their system. Again, Equifax has my proof that my XXXX student loans are no longer reflecting as late. The agent proceeded to tell me that they are waiting for XXXX to confirm that my accounts are no longer showing late balances. I called XXXX and they told me that they did their part and Equifax has the power RIGHT NOW to update my account. I feel like I am being victimized by this company because I did everything to rectify the situation and if XXXX and XXXX updated my credit reports with NO PROBLEMS, why ca n't Equifax do the same? I have the certified green card with the company stamp as proof that they received my updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have asked Equifax to delete an account I had with XXXX that is over 7 years old ( XX/XX/2007 ). I have disputed this multiple times and they will not remove it. This is the response I keep getting : I did not dispute its mine but it is too old to be on my account. 

Thank you for giving Equifax the opportunity to serve you. 
Results Of Your Investigation ( For your security, the last 4 digits of your credit account number ( s ) have been replaced by * ) & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, SC XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this item keeps coming back verified and this is not mine I did everything that was asked of me and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I 've contacted Equifax for an error in my credit report. There is an account that does n't belong to me, and I have explained to them I dont recognize this debt or owe any money to this creditor. If valid it would have been paid. have become a responsible consumer and this is an unfamiliar debt to me. Moreover, this debt appears to be past the Statute of Limitations. However, they insist in keeping in it there. I contacted XXXX for this exact same error also, and they concluded the account is not mine, and removed it from credit report. How is it possible, XXXX credit agency has determined there is indeed incorrect information, verified the account and removed them, and the other company just neglects all this? Please assist in contacting Equifax and getting this sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Equifax Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX - XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX NA Date Filed XXXX/XXXX/XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax incorrectly reports XXXX of my revolving lines of credit as being 'open ', despite the fact that it was written off for profit/loss years ago. This results in a 99 % utilization rate of my 'available credit '. Of course, if this information was correct, I 'd be able to go use this card and charge the remaining {$150.00} to reach 100 % utilization. Obviously the card is not 'open ' -- it is closed, with an unpaid balance. Hence, there is no " utilization '' factor. There is simply an unpaid debt. 

I have disputed this at least twice, resulting in no changes both times. The errant 'unknowns ' for payment history were not even changed to 'CO '. 

I attached the Equifax & XXXX credit report & you can note the differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL CREDIT AGENCIES REPORTING OUTDATED AND FRAUD ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES ... .REMOVE FROM CREDIT FILE ASAP ... '' PUBLIC RECORDS XXXX BANKRUPTCY XXXX X ON FILE, DATA CENTRAL XXXX ON FILE, XXXX XXXX X ON FILE, XXXX XXXX XXXX XXXX ON FILE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed a complaint with the CFPB about Equifax Consumer Agency refusing to provided me with my consumer credit report. Now, Equifax is falsely stating that I have placed a Fraud Alert on my Credit Report, which is not true at all. Equifax has also notified all the other Credit Consumer Agencies of a false Fraud Alert that I have not submitted at all. Would someone please assist me with this issue please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to address the fraud they encourage and facilitate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not receiving the benefit of the service I am paying for. 
Customer Care Department will tell me that I need to contact disputes department because I have pulled my credit too many times they need to unlock something. Disputes department will tell me that I need to contact the disputes department because there is an issue with the name on my file. I have been going in this circle for four days. I asked to speak to a supervisor the supervisor transferred me over to a representative that said he entered a ticket number. He would not provide me with a ticket number. I asked to speak to a manager ... he put me in contact with a floor supervisor XXXX : Employee number XXXX. She provided with a ticket number that the rep would not provide me with : Technical Ticket XXXX. I explained that I am paying for Equifax Complete Premier Plan, and requested a refund for the down time. She explained that the technical department would do that. I explained that I never received my credit from the last time. Last time this occurred I did not have access for two + weeks. I asked if she could look into her system to tell me how long this was down for. She would not. My complaint is that I am paying for a service that I am not receiving the benefit of. Nor will they credit for down time. They can view their records and now how long I have not had access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX credit inquires on my credit in which I did not authorize : Equifax XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Every time I have attempted to receive my credit report online from Equifax they will not release it for view. They constantly require that I send many copies of information by mail and I still have no confidence they will release the information as a free report. Both XXXX and XXXX are never a problem when I view my report online. What is wrong with Equifax? Since this is a continuing issue it leaves me with the belief they are looking for a way to get around offering a free report, maybe you can tell me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Today is XXXX/XXXX/16. I am an officially notified XXXX recent former Federal Employee, that WAS compromised in the successful hack attack on XXXX databases. I subscribed to the XXXX recommended XXXX XXXX Monitoring program. In an email from XXXX, dated XXXX/XXXX/XXXX, I was given a XXXX XXXX. Today I 've accessed my account with them and see that on XXXX/XXXX/16 " an unwarranted '' inquiry was made to my credit report and was described as follows at XXXX : " XXXX obtained a copy of your EQUIFAX Credit Report. " I have not been engaged in seeking new credit that would warrant this inquiry. I am unable to determine whether it meets your before criteria of either " hard or soft. '' To me, it has been UNWARRANTED, and the company requesting LACKED LEGAL AUTHORIZATION from me to do!!! I 've check on line about the supposed name of the company " XXXX '' and see that it 's been linked to numerous complaints in the past. Since this is NOT authorized by me, through a new credit application, I would like to have this inquiry identified as " inappropriate '', and that I as the Consumer be PROTECTED FROM HARM by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This charge off has been on my credit report for over 7 years. It has not been reported accurately and by law it should already have been removed from my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
Our daughter worked for U. S. Bank Home Mortgage in XXXX, MN. She passed away unexpectedly on XX/XX/2016. We, her parents, were beneficiaries of her XXXX savings plan. We have collected the proceeds from that account. We have since received a XXXX which shows there is income tax due on a distribution of XXXX of dollars, which was supposedly used to pay off a loan against this account. We have no knowledge of this loan or payment. We have been trying for weeks to get an annual statement of this account which shows us the dates of loan and payment, how the request for a loan was made, to whom the loan was distributed and how was it distributed. We see no evidence of that amount of money being deposited in our daughters account. We were told that as beneficiaries of this account, we were entitled to this information. We have called them numerous times and talked to various people that always refer us to someone else. ( They have put us on hold for over 50 minutes some times. ) They never call us back as they said they will. It almost seems that they have something to hid and hope we will just go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
An address XXXX XXXX XXXX shows up as one of my addresses and I 've never lived here in my life!!!! I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Team, I was referred by XXXX XXXX at Equifax to Consumer Finance.gov. 
I am in the midst of Divorce in XXXX Court XXXX. I am renting from the Owner XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I started renting in XX/XX/XXXX my Apt XXXX Which had XXXX XXXX in his name installed. We transferred account from him to my name. Which services were in and new box mailed to him. After working from home and poor service I cancelled this services and asked they mail me labels back to ship back gear since labels were in old owners name. After shipping back originally I was told paid up to date {$50.00} credit and then they said they cancelled in XX/XX/XXXX after my discounts. They stated contract and Short fees. I told them I do not owe and asked for proof and bills. They never responded. They then put me into collections XX/XX/XXXX XXXX XXXX # XXXX where I spoke to Rep. XXXX XXXX XXXX XXXX # XXXX XXXX at XXXX on Acct # XXXX he offered in letter {$820.00} settlement and then lowered to {$500.00}. I explained issue and asked he refer to XXXX. He did and closed it out. XXXX then in XXXX dinged my credit and referred to a XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Consumer XXXX XXXX # XXXX. He referred back to XXXX. I immediately called Equifax where I am a premier Member-XXXX ( -Dispute XXXX ( XXXX ). I have called numerous times to XXXX to ask for Bills as no contract I did right things and paid XXXX XXXX for 18 years as well. Note I have Fraud cases open with XXXX XXXX and XXXX XXXX and XXXX Executives helped Credit over $ 9k in billing issues of a number I did not own. 

Today I spent 3 hours disputing with XXXX as they just opened case with XXXX XXXX. 

At XXXX today a lone 3 Hours calls. 

XXXX XXXX. Spoke to XXXX XXXX-Billing transferred to XXXX Financial Services who said she saw Late fees disconnect and check issue but, referred me back to Collections. Finally after getting XXXX XXXX Call Center Rep. he conferenced a Manager XXXX XXXX who said XXXX XXXX the first # I called! Ask for Manager XXXX or XXXX noted expecting call. Called spoke to XXXX XXXX who said no mangers available could not find account final pushed for XXXX left Mobile email no calls back. XXXX XXXX was the Manager. After calling Equifax on XXXX they said XXXX research done but, only option open new Compliant and my credit is critical. Help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation