vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like for Equifax to contact XXXX the original credit card company who gave me a card back in XX/XX/XXXX, my first delinquency on this account was XX/XX/XXXX. The account was sold to XXXX debt equity on XX/XX/XXXX. Continuous disputes with XXXX to see my XX/XX/XXXX first delinquency dates have gone unanswered. I e contact XXXX numerous of times about inadequate information in my credit report. I 'm holding Equifax accountable for their lack of verification of my first delinquency date in XX/XX/XXXX. Verification : is sworn testimony. Third party is insufficient '' XXXX. First hand knowledge. First someone verifies but do n't have first hand knowledge then it 's not verification, it Hearsay. And hearsay is inadmissible and the court says its incompetent. FCRA 603 ( 0 ) ( 5 ) ( A ) ( I.iii ). I want to know Tge person name Equifax verified the dispute with and documentation used to verify the dispute. According to the FCRA, the reporting agencies are required to forward the disputed information to the furnished of the account ( original creditor ). XXXX, but the credit reporting agencies only forward the two digit code according to their automated E-Oscar sustem ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I want this tradeline deleted or I would like to sue sue Equifax for non-willful compliance of the FCRA. The item is scheduled to come off in XX/XX/XXXX with Equifax, I want this item off today.

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: NC

Complaint narrative:
Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax is unable to deal with a simple problem by providing the data to me by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.

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: FL

Complaint narrative:
I faxed a ID theft affidavit with a police report to Equifax claiming that I have no recollection of XXXX trade-lines that appear on my credit file. Equifax did not provide any information to confirm that they followed the procedures to conduct a reasonable investigation, specifically in a case involving ID theft, nor did they forwarded the documentation in this case to XXXX or XXXX. I am demanding that this Credit Reporting Agency follows the procedures as per the FCRA to assure that the information on my credit file is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax fail to delete a negative account older than 7 years. Equifax own conclusion determines that a account can only be on file for 7 years which contradicts it self. Moreover, the account has been sold and the statement from equifax determines the account is been verify but has been sold according to the original source.

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

Complaint narrative:
I as well as the Original Creditor sent documentation as proof the account has been closed -Settled in Full. Equifax still refuses to report the account as a Closed collection on my credit report. The account is currently showing as an Open Collections.I as well as the creditor have reached out to Equifax to update their Database accordingly. Multiple disputes have been initiated with no resolution. I am not asking the account be removed. I am only asking that my credit file report it as a closed collections account, instead of an open collections Account as per the Document from the Original Creditor. Please see attached document as proof of account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute several times to Equifax in regards to XXXX Mall account appearing on my credit report incorrectly. There are two accounts listed around XX/XX/2016 I started disputing the two accounts because they were reporting inaccurately. I submitted dispute after dispute with records to match my dispute from the said creditor. Equifax finally updated one account and left the other still reporting inaccurately. I received a letter today again stating the information was verified as being reported correctly when in fact it is not. They are in violation. I sold the vehicle back to the dealer XX/XX/2016 the balance was zeroed out on the account. Still it is being reported as if I own the vehicle and not making timely payments. I have sent certified letters to both the creditor to update the info and to Equifax to delete the incorrect info and stop furnishing it. It is ruining my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently checked my XXXX credit report and found negative accountings on my account that should not be there. The one to which i am currently reffering is my mortgage with XXXX XX/XX/XXXX- XX/XX/XXXX. I was covered under the SCRA law during this time and have enclosed the orders as well as the law for you to correct this mistake as soon as possible. I also have several other issues including XXXX, XXXX XXXX, XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX XXXX. I was covered under SCRA starting XXXX XXXX XXXX XXXX XXXX and a year after that as well as, XX/XX/XXXX- XX/XX/XXXX and a year after that, as well as, XX/XX/XXXX- XX/XX/XXXX a year after. Attached are all of the orders for these dates and all negatively affecting credit reports for said dates should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
I was required to pay {$25.00} interest each month on my student loan. I missed a payment so was in arrears by {$25.00}. So i logged into the Sallie Mae website and set up an auto debit of {$50.00} per month so that I would clear my arrears and start paying down my loan by more than my minimum. When the auto debit came around instead of taking {$50.00} out of my bank it just took {$25.00} leaving me in arrears. I then got phone calls and messages from Sallie Mae telling me I was in arrears. When I checked the auto debit was still set up for {$50.00} per month but despite that Sallie Mae only took the minimum {$25.00} out. When I phoned up to ask why they told me that that is the way the system works and that I could not set up an auto debit for more than the required minimum. This is despite the fact that there online system allowed me to do this, still reports that I have a {$50.00} per month auto debit and above all else should allow me to pay down my loan faster than the minimum. When I challenged them again they told me that the only way to pay down the loan faster was by one off single payments. 
My frustration was that at no time was I told that I could only pay off the minimum amount of {$25.00} through the auto debit system, and that by not taking out my {$50.00} payment it kept me in arrears unintentionally on my part. 
I should be able to pay down my loans faster if I want though the auto payment system and if this is not possible Sallie Mae should have notified me when I set up the auto debit and not then complain when the arrears payment was not taken out by them. 
For students learning about how to handle financial management the system in place seems to only help Sallie Mae not the student. In helping to keep the student in arrears even when they tried to pay off the loan faster than required. 
Even there new look website is poorly designed mixing interest with payments in the same column so its harder to see how the loan balance is going up or down based upon the loan servicing. Why oh Why does the loan statement not separate additional charges and interest into its own column separate from the payments made to pay down the loan. This would give students a much clearer idea of how there loan is progressing rather than having to read down and across for each number to understand its meaning. Once again a missed opportunity to make it easier for students to service there loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has placed a fraudulent account on my credit reports under collection. We sent proof from XXXX XXXX of the fraud that was conducted. This has caused an issue with my ability to purchase a home and apply for credit cards. Credit reporting Agencies state it can take up to 90 days to remove an item from a report. That should not be for an item that was proven to be fraudulent and should be immediately removed by all three credit agencies if the company recognizes the fraudulent activity. Please help as I need to close on my house.

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 — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX sent me to collections with the company XXXX. I disputed this because I had already paid and settled this balance with the original company, XXXX XXXX. The first dispute of # XXXX was completed and I was told I must still pay. I filed a second dispute # XXXX. On the of filing the second dispute, I had also called collector, XXXX to find out what had happened. They stated that they had sent this to Equifax as " deleted. '' Today, I checked on the status of my second dispute online and it showed a date of completion of XXXX but with no status or no results, nor did I receive a letter from equifax saying my investigation was complete. So then I called equifax and spoke with XXXX. XXXX and I contacted XXXX and spoke with XXXX XXXX at XXXX. XXXX informed us that this was deleted from my record on XXXX but will take 5-45 days to reflect that. I 'm filing a complaint my because this is not a reasonable amount of time and adversely affects me on something I paid at least a year ago. I 'm also writing to make sure this really gets removed from my credit report. In the digital age, this should n't take so long. Something needs to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My identity was stolen and is been really hard for me to correct all the errors in my credit report I have been writing letters and filling out complaints about this problem and I 'm still having problems due to inaccurate information on my report on XXXX of the credit bureaus Equifax and experian I also have a big issue with XXXX. because they check my credit very often for no reason and this affect my credit greatly. I 'm retiree receiving ssi and all my bills are pay by XXXX XXXX and the federal government, and I need all this information corrected and fixed so I can have some tipe of credit again, please I 'm asking for a full investigation on my on my credit file so all the issues can be solve appropriatly. Thanks for your time and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit reporting agency has been compiling my information into some other person 's credit report and they tell me that I do not exist in their system when I give my social security number, name and address. The account that I found out about, is showing in a relative 's credit report for only XXXX credit reporting agency and the other XXXX credit reporting agencies are not having this problem at all. Among myself and my relative, we discovered that this particular credit reporting agency has been mashing our credit information together in a file under my relatives report and showed my name as " formerly known '' with current address and name, a similar name with spell in-corrections and all other sensitive data that was creating false extra credit towards my relatives credit history. Myself and my relative have called the credit reporting agency together and discussed this matter, to separate our data and they gave my relative a credit dispute file. The credit reporting agency representative also told me that they were creating a separate file with my information, since myself and my relative were both giving the agency separate and accurate information about our credit data. After 30 days, my relative 's credit dispute was acknowledged as complete. When I called the credit reporting agency, they ( the credit reporting agency ) told me that I do not exist in their system at all and I will have to call any company that I am involved with for credit data to re-report any credit data all over again or for myself to send in personal sensitive documents including : social security card, payment bill showing information, driver 's license, etc ... .., in which I have never had to do this for any credit reporting agency that I am aware of. I have been working on this issue for quite some time and it has really been hard on myself when it comes to getting any financial credit in good standing when I need.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However, when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to " re-investigation in process '' has been removed. Therefore, either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX, it is obvious that Equifax is to blame for this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit score with Equifax went down XXXX points without any apparent reason. I collected all available information online and there was nothing. Apparently getting a copy of my credit report will not provide a credit score. I pay all my bills on time 100 % of the time. This change in my credit score could drastically affect my ability to get a mortgage. The entire process of credit scoring needs to be much more transparent to the consumer in order to be disputed. Knowing the rules of the scoring game in order to increase a persons score is extremely confusing. I believe that any change more than XXXX points to a person 's score should require a 60 day written notice in order to be disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a negative report that I have a collections open. This was for a never received bill from XXXX which I did not get because I moved and it was not forwarded to me by the landlord from XXXX. It went to collections. I paid this immediately when I was informed over 5 years ago. I want this removed. It has been so long I have no record.

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 — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success

Company response to consumer: Closed with explanation