vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX, in their respective states if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information XXXX! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My ex-husband opened an account for our XXXX child using his name and hers with Wells Fargo Bank. He subsequently has incurred a bank levy for unpaid registration fees on his vehicles. The levy attempted to garnish the account but there were no funds in the account so the bank assessed a {$120.00} processing fee for the levy. My ex-husband does not have legal or physical custody of XXXX our children. I went to the bank with my legal documents to have them remove our XXXX child from the account and they have said that while she is able to provide consent to be added on the account she is not able to revoke consent. They informed me that she can only be removed from the account by her father and the account can only be closed once the {$120.00} fee is paid because the account is for minors only. I do not agree with this position. She should be able to revoke consent to be a party on the account at any time, regardless of if the account is " for minors '' or otherwise. She did not personally incur the levy on the account and so she should not be held responsible for her fathers poor financial choices. He, in my opinion, is unlikely to pay the levy or the processing fee and this account is likely to go to XXXX. If it comes to that, it will negatively affect her credit. She is a minor and she can not, in my opinion, grant legal consent to be engaged in financial transactions such as bank account creation. This is why minors are not allowed to open credit accounts.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I spoke with XXXX in the consumer affairs division this past Thursday XX/XX/2016 about the XXXX point difference between XXXX ( XXXX score ) and Equifax ( XXXX score ). She gave me meaningless blather instead of any solid info. I 've been in finance for 30 years dealing with credit reports. it is highly unusual that a score varies almost XXXX points. Most Fico scores vary between XXXX difference max. I also told XXXX the information on both reports was IDENITICAL making the score that much more ridiculous. 

After speaking with her on XX/XX/2016, I checked my scores yesterday only to see my Equifax score drop another XXXX points since XX/XX/2016. There has been absolutely no change to my profile so I am once again baffled by how Equifax can be so far off. ( Picture Attached ) I have filed more than one report on this but the CFPB seems to be just another useless GOVT agency with all bark and no bite. Maybe the CFPB can tell me whats its purpose is because if you 're just their to forward complaints back and forth ... then your useless. 
Why does n't the CFPB DEMAND an explanation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been requesting verification of the following accounts that Equifax continues to report on my credit file : XXXX XXXX, Tax Lien # XXXX, and Tax Lien # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, 2016. 
On Friday, XXXX XXXX, I directly called the XXXX XXXX XXXX number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, 2016. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I have also attached Equifax 's dispute investigation of the results. 
On Friday, XXXX XXXX, 2016, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, 2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as " reported '' as of XXXX XXXX, 2016. 
I demand that these public records XXXX # XXXX, Tax Lien # XXXX, and Tax Lien # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called " verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that these unverified accounts : XXXX # XXXX, Tax Lien # XXXX, and Tax Lien XXXX ARE PERMANENTLY DELETED FROM MY ACCOUNT. I also request an updated XXXX credit report showing the deletions. 
Please see attachments : XXXX security freeze confirmation dated XXXX XXXX, 2016 **Equifax dispute confirmation results showing that XXXX XXXX " reported '' and " verified '' on XXXX XXXX, 2016. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit bureau provided my credit report and all my information to XXXX XXXX XXXX XXXX XXXX. I have never given permission or authorization for my information to be provided to this company that I have no relationship with. This company used deceptive practices with my husband who attended XXXX XXXX XXXX and that is how I am aware of them. They had no right to look at my personal information and cause damage to my credit because of too many inquiries that did not result in a credit offer. I NEVER REQUESTED A STUDENT LOAN FROM THIS COMPANY AND THEY HAD NO RIGHT TO INQUIRE INTO MY PRIVATE CREDIT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provided 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 manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a Public Record on my credit profile that is inaccurate in its filing. The derogatory is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. Although the procedure is dismissed, 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 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. I have a right by consumer law to have knowledge and/or document of WHO VERIFIED!!! 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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in my equifax credit report i have this address in it XXXX XXXX XXXX XXXX XXXX, TX XXXX i have never lived there or ever been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Loan through XXXX mortgage was sold to XXXX and then re-aged on my Equifax credit report. The account was included in chapter XXXX bankruptcy on XX/XX/2009 were it was already delinquent several months. The account has never been brought current. I have disputed several times. The date of first delinquency will change but never to the correct date. I have disputed directly through the debit collector with no response. I have attached copies of my bankruptcy with account listed. This issue is causing great distress when trying to rebuild my credit. I have been perfect on all accounts for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I wasnt told by the people of XXXX that they were going to be checking my credit score. I was misinformed on what they were doing. Im really upset about having this hard inquiry on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its a fact of record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports has my address wrong. My address is XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Credit Report reflects adverse accounts which are beyond the XXXX year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of XXXX years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While I filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. If Equifax has stated that the creditor has no historical records, this would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the XXXX year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are required to furnish such information. If the creditor has advised Equifax that there is no historical data, how can they on a second dispute that they have updated the information. How would the creditor provide updated information on an account that they have stated they have no historical records. Where would the updated information come from? Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. The account in question is XXXX. You may review the attached document for account number. Please remove this adverse account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. you should have this info at your XXXX GA XXXX XXXX closed account XXXX and closed XXXX account XXXX all credit inquires..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Equifax credit report

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 — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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 COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX

Company response to consumer: Closed with explanation