vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was checking my free credit reports at annualcreditreport.com. I was able to view XXXX, XXXX, but not Equifax. When I clicked on the link to view the Equifax report, a page stating that the system was not available and to check back later. Once I returned to annualcreditreport.com, it showed that I had viewed the Equifax report and would not let me back in. I have gone to the Equifax website, but you must purchase a product in order to speak with a person. The links on the Fair Credit Reporting Act for their site are not active. They do not have any phone number that will get you to a person to help with the issue. You ca n't even order a credit report without signing up for a monthly subscription. I finally ordered a report and score over the phone because the phone was not clear as to what needed to happen in order to just get a report. I paid the {$19.00} just so I could get a copy. This is yet another example of how these agencies are allowed to control your financial information with no recourse. I have a very common name and have had several mistakes on my reports over the years. It is amazing to think that the consumer has to pay for their mistake. I also sent a complaint to annualfreecreditreport.com, however they are a government run agency, so they obviously have not intention of responding to the issue to resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE SUBMITTED THE PAPEERWORK AND DOCUMENTS AND THE CREDIT BUREAUS HAVE TOLD ME TO CONTACT THE CREDITORS TO DEAL WITH THEM REPORTING INACCURATE INFORMATION, AND INFORMATION THAT DOESNT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I 'm unable to file a dispute online, if keeps saying unable to process. There is a fraud alert that does n't need to be on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a credit inquiry on my Equifax report that is from XXXX - XXXX it 's dated from the day someone tried ( without success ) to steal my debit information. XXXX/XXXX/2016. I ca n't find any company with this title. I also am marked as having a credit history for only 4 years but I am XXXX and have a credit history for 40 years!!! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please have equfax update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance

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 — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. The credit reporting agency is continuing to report Consumer Reporting inaccurate information on my credit report, 2. your company does nothing to fix it I want to go meet with the CFPB to see what you do to get this Inaccurate Information and illegal handling of my information stop. 
3. Do you feel you can just allow these XXXX credit reporting company to continue to lie to you and I and I 'm going to say oh well? 

4. I am not going to keep filing disputes when they go to a blind ear. 
5. I want someone to contact me about how they will proceed to get this fixed within the 30 days. If I do not here from you or someone who has authorit7y to make the XXXX credit reporting company report the correct and accurate information on my credit report. I will come up to your office own my own time to get it resolved. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report from Equifax it shows a bill in collection. I called this company, all bills are paid on time. I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : There are XXXX major complaints within this report : XXXX XXXX through the reporting agencies & XXXX scores being distributed. 
Recently ( starting XXXX 2016 ) I began working with XXXX XXXX XXXX to repair my damaged credit. Please note this complaint is not geared toward XXXX XXXX but that of XXXX Equifax, and XXXX. 
Within the first 4 months a combined total of 65 % of negative items have been removed. XXXX XXXX sends out letters on my behalf, which I am provided a copy of, to dispute negative items then my provided portal is updated. Along the way I can see which negative items still remain and which agencies are not deleting items, though other agencies have. Equifax being the most cooperative by removing XXXX of the XXXX negative items, followed by XXXX deleting XXXX of those XXXX items and XXXX being the most challenging only XXXX of the XXXX items. XXXX XXXX XXXX is still being retained and in the last 4 months no items from XXXX or XXXX have not been removed and is effecting the my chance of getting a 1st mortgage with a fair package for first time homeowners, even possibly a better interest rate on my auto loan, that I will be applying for this week. 
The 2nd part of my complaint is the reporting. Though XXXX is being difficult when I went to XXXX directly to purchase my score, my score according to their scholastic reporting at XXXX is a XXXX XXXX is considered a XXXX, regardless. However the even greater issue here is why my score is not equal to all who see it? XXXX directly states XXXX, XXXX XXXX 'XXXX is XXXX, XXXX XXXX shows XXXX? 
My ranting as I close : How is this helping any consumers when numbers are just being tossed about with no consideration of what this does to someone wanting the basics of either applying for credit or knowing where they stand with their credit? Such as decent interest rates for a mortgage, an auto or anything else that may require credit. Let alone you can not have your, say, XXXX report or any report pulled when applying for credit to not affect it by having a hard hit on your credit, which can also have an effective by this hit lowering the score for a long period of time? So if you are border line and you take the hit then you went below the required level and now you 're at a higher interest rate. I realize the reporting game is like medical doctors with medication and kickbacks as with higher rates kickbacks for the agencies. Keep the consumer confused and they agencies get to run amuck. 
If you would like to see the XXXX report which states the XXXX I purchased from them verses the XXXX XXXX or XXXX XXXX or the negative items that the XXXX mentioned agencies are fighting please let me know. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Equifax has re reported information to my credit file without doing a proper investigation.or sending me any documentation confirming that the action was going to be taken before reinserting information to my credit file. also i have several accounts on my credit reports. with incomplete or without information being fully investigated or verified as the information was deem fraudulent in the past on previous disputes and been removed. also equifax has refused to remove the information even though the information is deemed to be inaccurate or incomplete violating statues under the fair credit reporting act, also violations under the dodd frank act as well as the graham bailey act. Also equifax has listed a lot of fraudulent addresses on my credit report exposing me to risk that i should not be exposed to as being a consumer in the united states. Also there are accts that can not be verified or considered incomplete which was apart of the fraud, that had been removed for over two years have been placed back on my file without any proper notice being sent to the correct address which copies as well as personal information has been sent to theses fraudulent addresses. The Addresses that are reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Also Accts from XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX # XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX all these accts where reinserted back to my credit file without proper notice but also many of them with account numbers that do not exist or inaccurate information or information that is incomplete and never verified even after being told plenty of times of the discrepencies or of the creditors claiming to have not reported this information to equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I get an account with XXXX XXXX who still showing open. This account was satisfied on XXXX 2015 and supposed to be closed. I want this information to be updated with Equifax case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We went to www.equifax.com to order a personal credit report product that supposed to provide XXXX credit reports from Equifax XXXX along with XXXX credit scores for XXXX fee of {$39.00}. After we set up personal information and provided our XXXX debit card number, we were charged the amount of {$39.00} immediately XXXX we verified this when we signed in to check our balance in our checking account ), this amount was immediately debited from our checking account available funds, however, the product was never delivered because of a post identification verification process. The system communicated that we had to call to be verified thru the telephone. My complaint on Equifax is that the company site is set up to withdrawal money from a person 's checking account/debit card XXXX what ever form of payment is provided by the customer ) with out delivering the product. Equifax needs to ask the computer generated identity verification questions first, for some reason, if the consumer fails to answer the verification questions, then Equifax should not immediately charge the consumer for a product that will not be delivered. When we followed the instructions to contact Equifax to be verified by phone, the first representative was rude and she hung up on us. We had to call back and speak to a different representative who communicated that the charge was in process of being reversed but it will take 24-48 hours XXXX business days of course, all this happened on a XXXX so we will not get our money until 4-5 days later ), however, again, this should not have happened. Equifax has had a negative financial impact on our funds. Lastly, the second representative had the nerve to try and sell us another Equifax product that cost XXXX and she guaranteed that it will be delivered ... .This is astronomical and comical that she had the nerve to try and get another payment from us before Equifax had reversed the first XXXX. Equifax , we are consumers that do not have a lot of money, please fix your website so that consumers are not charged for a product that will not be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was denied credit based on information that Equifax furnished XXXX. I will attach that information. I printed out my credit score from XXXX different agencies on the same day. XXXX credit agency said my Transunion credit score was XXXX and XXXX said my credit score was XXXX. None of the information at Equifax is correct and because of that I was denied critically needed credit. The information credit report is not reliable but it is life-altering. What each of the agencies report when the offer a XXXX credit scores at once deal, is not even remotely accurate. I am attaching snapshots/PDFs of credit reports reported on the same day. Note the difference. Also when I got individual report, my Experian credit score was closer to XXXX. This service is off completely. Also I had a huge problem getting free reports so I have had to pay for each of these more than once. Also on my identity verification quiz, these credit bureaus put in questions about people who were subsequent owners of a home I had. I do n't know them, I have no relationship to them. I had to guess XXXX XXXX 's birthday. I do n't know her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See documentation from XXXX & gt ; Equifax states that I did not communicate with them. This is not true I have been submitting disputes with documentation for months. It is past the 30 day time frame under FCRA. The accounts with multiple errors should be disputed and barred from re -- adding. 
I have sent Equifax several disputes on these XXXX accounts over several months. They can not say I have not communicated I have sent these online. I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. The account was not on my XX/XX/XXXX Credit file. It was addded after it charged off for my husband. All charge off dates were modified and history in an attempt to re-age the debt. We filed complaints with the XXXX, XXXX, and also, the Attorney General of VA.There are multiple errors on my file. For this account and the other. It has been over 30 days since I disputed this at this point, since the Furnisher is verifying information they know is incorrect I want the XXXX deleted as well as XXXX is evidence of how many times these items have been disputed and though incorret. though I provided evidence they have left it on my file. These items should be deleted. It has been past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I settled with XXXX on several accounts last year and the accounts should show as XXXX balance, paid or settled. They are showing as open collections still and hurting my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have initiated XXXX total disputes with Equifax over the last year to contest a debt that I never signed for and want removed from my credit report. XXXX XXXX is the debt collector that I contacted to get this handled. They responded with a " lease agreement '' that has no signature anywhere on it. I 've sent XXXX XXXX XXXX letters referencing violations under the FDCPA and FCRA. 

After further investigation, I went through the FEDERAL MANDATES and noticed several violations against Equifax 1. Equifax did not complete a proper investigation with the collection agency. 
2. I requested Procedure on how Equifax verified the account. They never responded [ 15 U.S.C 168I ] 3. Equifax has taken more then 50 days to respond on every letter I sent. 

Attached is the evidence I have compiled against Equifax , I have exhausted all efforts to get this corrected on my own to no avail. 

Please help me take action agianst this incompetent company, It 's unbelievable that the government still allow Equifax to do business in America. Thank you CFPB for being a voice for the consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/XXXX2016.

Company response to consumer: Closed with explanation