vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax Dispute : Account that should be closed, but is reported as open in my Equifax report, in error : XXXX XXXX. 
StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX BANK - STUD StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX BANK - STUD StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX Past Due $ XXXX XXXX XXXX Past Due $ XXXX XXXX XXXX XXXX Due $ XXXX XXXX Past Due $ XXXX XXXX XXXX XXXX XXXX XXXX these loans above are part of the XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : XXXX StudentXX/XX/XXXX XXXX, XXXX - CurrentNo Missed Payments {$45000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is unlawfully reporting accounts without verifying or validating the debt. They are in violation of Section 609 of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed and they removed, then listed again on Equifax and XXXX a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in BK. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for XXXX I must keep abreast and make sure the credit report have the correct information. But XXXX and Equifax refuse to update their records

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a letter from XXXX stating they have requested to be removed from my credit history. Equifax refused to remove account. I have called and faxed over same letter. They are not being compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent equifax certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report. please do n't force me to sue I have documented every thing and i will win.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
About two years ago I used a XXXX credit card to make a XXXX purchase, then went to XXXX for 3 months. The bill arrived by mail. Of course I was not home to make the payment. I paid it as soon as I arrived home, with two months late fees, so my {$35.00} original bill became {$100.00}. This is the problem : XXXX referred the bill to a credit agency, equifax. 
Both Equifax and XXXX say that despite the circumstances and the bill being paid in full with late fees, nothing can be done to remove it. My {$35.00} bill is now a " Serious delinquency '' on all my credit reports FOR 10 YEARS! If you can not intervene, I would hope you can propose a law or procedure that assures that once a bill is paid, it can not remain on a credit report for more than a year. Thank you, XXXX XXXX Please respond

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have raised this issue for the past six months and every week for the Month of XXXX and have found that the Status is OPEN and should be UNKNOWN which is been reported as serious delinquent for the past 24 months that reflects XXXX points decrease in Equifax reporting company.

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: IA

Complaint narrative:
On XXXX/XXXX/16, I disputed the XXXX account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I named XXXX XXXX in a bankruptcy, the bankruptcy has been discharged yet the account is now showing up as " in collections '' on my Equifax credit report. Copy of Bk discharge attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is showing an installment loan that is closed as open. The account # is XXXX with XXXX in the amount of {$15000.00}. This account shows duplicate as a collection as well with equifax , but that has been handled appropriately. XXXX no longer show this installment loan as open. I disputed this directly with equifax and the account shows as closed in there database. I simply need equifax to report it as closed.

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

Complaint narrative:
The address listed is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit agency continues to report incorrect information despite proof provided in disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX KEEP REPORTING THAT I OWE A BILL WITH XXXX BUT ON MANY ATTEMPTS I HAVE ASK THEM TO VALIDATE THERE ACCOUNT AN THEY HAVE HAVE FAIL TO. N NOW THEY HAVE PLACED THE ACCOUNT WITH COLLECTIONS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed my inaccurate XXXX item with Equifax. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is zero, which it was. Anyone could look at the item and see that it was inaccurate, without information from the furnisher. Equifax made no effort to investigate. Please delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection agency claims that I owe them {$230.00} ( medical bill ) and it 's effecting my equifax score. I 've never received any kind of bill, mail, or emails in regards to me owing money to them. I 'm trying to find out who gave it to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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 keeps giving me a new confirmation number, and staring the process all over to correct my credit report of errors. They can not process some changes online and want copies of social security cards, drivers license etc. either by fax or mail. I.m not comfortable with that process. 
Also their interpretation of how long your information need to be on your credit report is different than their competitors. I believe they are wrong I do I correct that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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:
I have ask EQUIFAX XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a problem getting my free annual report.

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

Complaint narrative:
I have tried to get my student loan status updated since XXXX 2015 at which time I was approved for a XXXX Discharge with the Department of Education. I have disputed these accounts with Equifax several times to no avail. They have violated the FCRA by continuing to report inaccurate information on my credit report. I spoke with XXXX XXXX Department and they once again reported my student loan accounts as paid in full on XXXX XXXX, 2015. As to date Equifax has failed to update my credit reports, I am now requesting all student loans on my credit reports to be deleted as they have continued to cause me financial harm by violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is continuing to report erroneous information in referenc to XXXX accounts that do not belong to me, have no/cancelled contract, and have been previously deleted and reinserted.

Company response to consumer: Closed with explanation