vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted Equifax , XXXX, and XXXX on several occasions to remove to old Dismissed chapter XXXX bankruptcies. To know satisfaction, I therefore contacted XXXX Virginia 's federal bankruptcy court. They explained to me that they do not removed old bankruptcies it is the mission of the XXXX credit bureaus. Each one came back stating the information was being reported currently. That is not correct. One Chapter XXXX was filed on XX/XX/XXXX and dismissed on XXXX/XXXX/XXXX with a total of {$0.00} balance. case XXXX # XXXX in XXXX, Va. This should have been removed XXXX XXXX. The fair credit act states that all XXXX XXXX should be removed after 7 years. The next case # XXXX, was filed in XXXX, Va on XXXX/XXXX/XXXX and dismissed the same month with ) XXXX Balance also. This should have be removed back in XXXX XXXX. The credit bureaus or the U.S. bankruptcy courts are not assisting me in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have the same amount in collections by XXXX separate collection agencies. I believe only one should be reflected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years which is the law their policy is keep it credit report for ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A letter was uploaded Equifax XXXX/XXXX/15 to XXXX XXXX XXXX stating that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This company, Pressler and Pressler have sued me over a debt that I have disputed since about XX/XX/XXXX. They even tried wage garnishment XX/XX/XXXX which they lost that case because I was n't making enough money. Now, they have sent a sheriff to serve a writ of execution to my realtor broker, to garnish my next commission check to cover the alleged debt. No proof of court order either. It 's alot of money for me to just give up and stop the fight, but I do n't have any money to hire an attorney, either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
there are XXXX public records ( bankruptcies ) reporting on my credit report, I have sent numerous letters as well as called numerous times to dispute these records ... US court sent a letter saying they do not furnish information to credit bureaus ... .and Equifax HAS NOT AND REFUSES to tell me the furnisher of this information and will not provide proof of the validity of these XXXX RECORDS ... .THIS IS CLEARLY A VIOLATION OF MY fair credit reporting rights ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax - XXXX submitted my-Name-address, current and previous-date of birth-ss # Equifax than presented me with XXXX multiple choice, " verification '' questions, none of which had anything to do with me. 
Clicking the " submit '' button routed me to an error message, saying I had to XXXX snail XXXX mail them copies of my IDs if I wanted my ( once yearly XXXX credit report. 
When I pay for my credit report, I only need a name and a ss #.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed

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

Complaint narrative:
I have disputed the Identity theft accounts from XXXX XXXX XXXX ( XXXX ) on several occasions. I have submitted everything they have asked for and more, Police Report, FTC Report ( signed and notarized ) XXXX signature page they sent and requested and my own Signature page. Everything has been signed and notarized. XXXX has taken the stand that I allowed myself to be ripped off and they are not responsible for that, I am the only responsible party. Actually they are the responsible party, they are the ones that should have safe guards in place to protect consumers. I have more documentation if needed. Equifax refuses to remove the negative information stating that XXXX has verified the account information, Equifax has also received all the information. Several times actually. I believe XXXX pays for Equifax 's services so it does n't even really get a fair evaluation. I have submitted legal documents to Equifax and they still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a Victim of Identity theft. I have been working tirelessly to follow all the steps required to cure this. Police reports, Fraud Affidavits and contacting all the creditors. There have been several accounts opened in my name. After countless disputes to Equifax, they are still reporting this Fraudulent account. And verifying that this Fraudulently account, XXXX BANK & XXXX, XXXX is mines. 

Nothing could be further from the truth & it seems that Equifax is adamant to report an account that was opened due to Identity Theft on my credit report. It is true that this account was opened in my name. Although ... 

I did n't open this account. 
I had no knowledge of this account I never made any payments on this account I never received any bills for this account I never received any good or services from this account I never gave anyone consent to open any credit in my name, including this account On XXXX XXXX, 2016, Equifax deleted this from my credit file ( see the attached ). Then days later they began to re-report this Fraudulent account as mines. 

I do n't know what the problem is with Equifax & XXXX ... .. As this account was surely, 100 %, opened in my name. It was opened by someone else. *I DID NOT OPEN THIS ACCOUNT WITH MY AUTHORIZATION! I HAVE NEVER HAD ANY KNOWLEDGE OF THIS ACCOUNT* I am tired & frustrated regarding this same issue. This is the last Fraud accounts that is still being reported on my credit report. I have done EVERYTHING that I was supposed to do. With respect to protecting my identity & my consumer rights, there is an abundance of unscrupulous activity being used against me to permanently remove the fraudulent accounts from my credit report.

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: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , XXXX . 
XXXX XXXX XXXX, XXXX XXXX Account Number Num : XXXX Re : CFPB Case Num : XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.

Complaint narrative:
I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed with Equifax several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The former name " XXXX XXXX '' or " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' should not be listed in my credit report as a former name used. I have never used the last name " XXXX ''. My credit report should only disclose my current legal name as XXXX XXXX XXXX, my former married name as XXXX XXXX XXXX, and my maiden name, XXXX XXXX XXXX, as these are the only names I have ever used.

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

Complaint narrative:
I have been trying to contact Equifax to change the report. The credit card company has sent me a letter stating that they sent the information to the company to make the change. I have no way of calling and the computer states my records are not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I disputed a judgement that has been vacated. They refuse to remove this and say it was verified. I have written documentation that it has been vacated and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I have reviewed my credit reports with XXXX, XXXX & XXXX and the reporting that Fed Loan continues to report has stalled my approval to purchase a home. Fed loan is reporting that my loan was opened in XX/XX/XXXX in which it was not. The original creditor is reporting an entirely different month. Fed loan is also reporting an incorrect XXXX date of delinquency. I have made several attempts to have these incorrect reporting updated or deleted but to no avail except for the deletion of XXXX of the amounts they have been reporting. This account has been closed for quite some time and I 'd like to see that the inaccuracies removed from my personal credit reports because they are extremely incorrect. How can they continue to report this {$4200.00} & XXXX debt on my reports incorrectly! This loan was originated from an institution that I attended and again, the date the loan originated is NOT XX/XX/XXXX. XXXX expressed in her mailer to me that by law they are to report accurate information to the credit bureaus and unfortunately, Fed XXXX is not abiding by this law as they continue to report erroneous information on all XXXX of my credit reports. This loan was originated in XX/XX/XXXX but prior to XX/XX/XXXX. I am requesting that I be provided with the signed promissory note that reflects the date that they are reporting. Per the XXXX, which is the XXXX and only accurate reporting agency for this loan, the date they 're reporting is incorrect. Furthermore, the payment history being reported reflects that the XXXX date of delinquency is XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax & on TransUnion XX/XX/XXXX. Well which XXXX is it really!? How can this be accurate if it 's all different? I am requesting that these reporting 's be deleted or updated to reflect the correct loan details per the XXXX under the Fair Credit Reporting Act immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The agency needs to remove incorrect bankruptcy information from my credit file. I have disputed but it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

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

Complaint narrative:
Initially I disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX account XXXX, XXXX credit card account ending XXXX, XXXX account ending XXXX and XXXX credit card ending XXXX all paid on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. They have not reported these 3 month when they have been paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After being turned down for credit I contacted the XXXX credit bureaus by letter and was able to speak with a person by phone with XXXX. None of them addressed the issues I raised regarding a serious delinquency that I am disputing. They sent me a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was original being reported on my credit report as " Unknown - No information available '' and did not have a phone number or address for me to contact. I disputed with the credit agencies and they responded with a status of " Verified '' and more information regarding the address and number of the creditor. I have called the creditor since then XXXX times to verify that they debt was mine and any info they could provide regarding the debt, as I have never heard of this debt either in the form of a letter or orally. All XXXX agents at the XXXX verified that no debt in that amount or under my name existed. However they were unable to assist me in getting a letter to the credit agencies saying that no debt was listed under my name for that amount and that I should dispute the account on my report. So I again disputed the account and it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed these collections several times with XXXX, Equifax and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to pregnant medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a collections account on my Equifax credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
this loan company me almost 7days a week XXXX times a day. I know i owe them for my debt but harassing me constantly is just starting to upset me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Took out a {$3500.00} loan over 18 months ago Was told in XXXX of 2015, there was XXXX payments left. ( I 'm still paying ). Paying over 300 % interest -- I get it. From what I can gather, now I am being charged additional " fees and interest '' for time it took ACH payment to hit THEIR account. Have called to complain to company at every level, with usual referral to a complaint website. I have been given XXXX different pay offs and XXXX different reason why there is still a balance. 13 days ago, I filed complaint on website " XXXX '' Have yet to hear from ANYONE and they claim fees and interest are still adding up. Calling the corporate offices yields a " they are a franchise office '' call them attitude with no real offers to help to to my relief.

Company response to consumer: Closed with explanation