vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-29 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 tried to get my free credit report online I had to answer questions about stuff that is in my file and only i should know the answer i could n't answer because the questions were about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed an incorrect balance showing on my credit report of {$350.00} for a collection with XXXX XXXX XXXX XXXX. The correct amount should have been {$56.00}. I initiated another dispute on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by the creditor with a name and phone number to call to settle the balance of {$56.00} for a hotel stay that the hotel failed to charge to my credit card upon checkout in XX/XX/XXXX. I paid the balance on XX/XX/XXXX and received an email confirmation from the creditor ( XXXX - XXXX XXXX XXXX ). The creditor provided the name of a contact with the collection agency for me to call. I contacted the collection agency to see when the collection account would be deleted since the disputed amount had been paid to the creditor. She stated that the request had already been sent, and emailed me a letter stating the request was sent to remove the collection account from all three credit bureaus. On XX/XX/XXXX, I received the dispute results from Equifax stating the creditor verified the balance was correct, and is still showing the balance at {$350.00} as a collection on my credit report with Equifax only. XXXX is still showing a balance of {$57.00}, and XXXX deleted the collection account. This information should have been removed by the credit bureaus upon notification from the collection agency. I contacted Equifax on XX/XX/XXXX, and was told that they had not received a request to delete the collection account. I was given a fax number to fax a copy of the letter from the collection agency and a copy of the email confirmation showing that the balance had been paid and to reference the report number XXXX for the dispute, along with a cover letter. After submitting the documents, I was very surprised to receive the results on XX/XX/XXXX stating the collection balance had been verified as correct, and was given an additional dispute number of XXXX. I am having a difficult time getting this incorrect information removed from the Equifax credit report. I uploaded a copy of the letter from XXXX XXXX XXXX to XXXX this date, XX/XX/XXXX, as they are still showing the collection as active on the XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing a {$100.00} charge that XXXX says that I owe them. I disputed the charge because of poor quality of service from them. My credit card company ( XXXX ) which had been automatically paying my Dish monthly charges for the past two years agreed with my dispute and credited my account for {$100.00}. Based on that I thought that the issue had been resolved. Subsequently a company known as XXXX XXXX ( a collection agency ) obtained the account from XXXX and filed it as an unpaid account wth the credit reporting agencies. I have documentation from XXXX indicating that the issue had been resolved. I feel that the credit reporting agencies unfairly accepted the information from XXXX. As a result my credit score unfairly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.

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

Complaint narrative:
EQUIFAX CREDIT REPORTING AGENCY IS REPORTING A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS HAVING A {$15000.00} BALANCE AS WELL AS A {$15000.00} PAST DUE AMOUNT. I HAVE DISPUTED THIS ITEM BEFORE AND HAVE HAD IT SHOW A {$0.00} BALANCE AND {$0.00} PAST DUE AMOUNT. XXXX XXXX CLOSED THE ACCOUNT AND NOW SHOW IT AS PAID WITH A {$0.00} BALANCE AFTER A XXXX FORM WAS FILED AND THIS MONEY REPORTED AS ADDITIONAL INCOME TO THE IRS. XXXX XXXX AND XXXX XXXX AT XXXX ARE THE CONTACTS AT THE CU. I NEED THIS BALANCE REMOVED FROM MY CREDIT REPORT ASAP.

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

Complaint narrative:
XX/XX/XXXX I agree to a mortgage modification with XXXX XXXX XXXX XXXX. The trial payment period began in XXXX XXXX and ended in XXXX XXXX when the modification documents were ratified. Between XX/XX/XXXX and XX/XX/XXXX I filed disputes with all three major credit bureaus to have the XXXX mortgage information updated. After each investigation XXXX continued to report the modified loan delinquent. Additionally, on XXXX or more credit reports XXXX reported the loan twice ( the unmodified loan and the modified loan ), and therefore corrupting my credit file with an additional {$300000.00} of delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have, continuously, tried to dispute XXXX items on my Equifax credit file that they refuse to remove or properly update. The situation started when I financed a car through XXXX XXXX XXXX ( XXXX they also go by a variety of names such as XXXX ). I was in an automobile accident. This car was paid off between the insurance of the at-fault party and the gap insurance provided by XXXX. However, there was a catch with the gap, the gap would pay off the balance of the other car, only if I financed another one with them. I agreed and was forced to buy their gap and extended warranty. The car has significant trouble with the transmission and engine. They offered a replacement. This was not supposed to be new loan, just a replacement. This new car left me stranded XXXX miles from work and XXXX miles from home. I made numerous calls concerning this automobile. I called numerous times about the stranded automobile. After a couple of months, they finally got me a loaner car, which I had for only a couple of weeks. I continued my payments. I did not know that they placed XXXX collections and XXXX account as " pays as agrees '' and none being paid off on my credit file, until recently. The charge off dates could not be accurate as I paid my payments in accordance to the agreement that was started XX/XX/XXXX. These were not supposed to be separate accounts ( XX/XX/XXXX and XX/XX/XXXX ). I am currently researching my past bank accounts where payments were made ; however, I am attaching a XXXX XXXX receipt from a payment made after they claim there was a charge off. This payment was made on XX/XX/XXXX, which is after the charge off date reported as of XX/XX/XXXX. The accounts also seem to overlap, looking as though I had the XXXX accounts open at the same time, when XXXX car was supposed to just replace the other. The creditor sometimes appears as XXXX XXXX or XXXX XXXX XXXX. I think the multiple names are an intent commit fraud or something. Please help. I want these charge offs off my credit. Actually, they should be marked as paid. The first account needs to be marked paid as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed Equifax last month and asked that XXXX accounts that say I dispute them be changed since I DO NOT dispute them. I have no issue with the results of the investigation. Now my loan officer says I can not get approved because these are still in dispute. 

Despite the fact XXXX of these # XXXX and # XXXX were DELETED by the other credit bureaus. BUT if they refuse to delete them then I am no longer fighting please just take them out of dispute so I can get approved!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did call XXXX at that # XXXX, ( per attached file ) according to them ( XXXX ), I have XXXX XXXX XXXX accounts, all of them are according to EquiFax report but this XXXX with " Previous Balance : {$3500.00}. 
The only information from Equifax report that XXXX was able to find out what XXXX XXXX was, it was the opened date XXXX/XXXX/2007 and it is the XXXX XXXX, she reported balance of {$0.00} and was unable to find any " late charges '' or late payments since 2007!!!!!, also as my XXXX Statement attached, report {$0.00} as my present balance.

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

Complaint narrative:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and XXXX both falsely assured us that they were not going to check our credit records. The said that a soft inquiery would not show up on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax , I am not quite sure why you people wish to continue to sabotage my credit. You have re added my student loans to my credit file. They are listed on my credit file 6 times. I only have XXXX student loans and they are all current. You have duplicated the information. Please remove the duplications off of my credit file. I only have XXXX student loans which I have had on my credit file since 2005. Not XXXX. Take the duplications off of my credit file immediately. My attorney will be filing the financial harm suit against you people very soon. 
XXXX XXXX

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

Complaint narrative:
I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history and if the lender refuses to report a payment history on my credit report the lender is in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have no idea why and I 'm tired of equifax doing this because none of the other credit reporting companies are doing this to me. I checked my credit and it said I had I had THREE alerts. 
1 " File blocked for promotional purposes ". I have no idea what that even is! 
2 " Credit report lock in place ''. I did n't lock my credit! 
3 " Extended fraud alert ''. I never wanted ANY alert So I would like to purchase a vehicle but with equifax I ca n't because they have my credit blocked!

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

Complaint narrative:
They will not respond to any of my disputes. 
" Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately, as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My XXXX daughter is being solicited by credit card companies, and I am being told that I have to put a freeze on her credit files " if she has any '' ( which no one can tell me as no one has access to such ). " THE PROCESS '' is that I have to send confidential copies of her social security card, birth certificate, and a copy of my license with my address. I do not understand how as the guardian of my XXXX daughter I can not do this on the phone or online. Sending this information in the mail is the most insecure thing I can think of. Someone getting their hands on this would have all the information needed to falsify records and open false accounts, which is exactly what I am trying to prevent. I need assistance against the XXXX credit bureaus Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The collection they are reporting was n't verified no contract

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I ca n't get my report online because of ilgetting answers wrong when it checks my identity because it 's not accurate so it 's easy to see why I got it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account to Equifax that is incorrect. 

Per my credit report Account was opened XXXX/XXXX/XXXX, Date of Last Payment was XXXX, Date of XXXX Delinquency was XXXX, Date of XXXX Delinquency first reported was XXXX. 
On XXXX/XXXX/XXXX I submitted a dispute to Equifax to investigate. In my dispute I stated I did not owe a balance to them, as well as the information that is being reported is incorrect. If in fact my last payment was XXXX, then it would be impossible for my XXXX Delinquency to be XXXX, which is 26 months after the alleged last payment was made. 
The results of my dispute to Equifax state they have verified the information is correct, however it is blatantly obvious it is not correct and I would hope this would be removed from my credit report immediately, as it has caused adverse consequences in preventing me from obtaining credit and caused an unjust financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According tot he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have informed the credit bureau of my intentions to move my name change towards a recent address update, and that is the only reason that my credit score is not important to the current bank account under question. I have undergone a name change, and my information is currently being used towards a XXXX account in remaining open, while I am unable to access it, due to a confiscated card, within a XXXX situation. To this end, I have contacted the bank, wherein they have stated that I have no legal right to the account. Having made all necessary contacts, I have not seen any improvement, and my credit score has plummeted. At this time, the account remains attached to my SSN, and the identity theft of my information and the situation that has been used for the improper access to any credit report. 

IN ADDITION, I have placed a security freeze on my account, wherein the confirmation number is inaccessible. I have contacted my bank, which stated there was no credit freeze. After investigation, I realized my account information was endangered by this creditor, XXXX. Please remove the account and make a complain about the situation and remove my name from the attached person 's name, in the following police report, XXXX XXXX XXXX. This breach occurred through a stolen ID. 

The account is attached to the current primary account owner, but as stated, I removed my name, but my SSN remains attached, which is XXXX. I would like all attached information to be mailed to me during the following month, as my statement in this matter can eradicate all imposed charges to his name. Otherwise, legal action will be required to discuss the matter. I would much rather invest my time into the XXXX at the XXXX, INDIANA location at XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation