vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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:
Equifax has repeatedly sent this response to me- '' Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. " I snt the following to them CONFIDENTIALEquifax Security DepartmentFAX XXXXTotal Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment. It is a home. 
2. Correct employment to : XXXX XXXX XXXXAttached:1. MI driver 's license2. Homeowners policy3. Utility BillAlso- Delete the address XXXX XXXX XXXX , XXXX , MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 

Please send updated report to me email or hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is double reporting things on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am initiating this final dispute in referenced to the accounts that I have original disputed above. I have disputed these accounts information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to " Validate '' these alleged debts, and the receipts showing that I sent these letter certified signature request. These debts are not mine and I was given any evidence of my obligation to pay these alleged debts to the collection company 's listed above in this letter ( XXXX XXXX XXXX and XXXX XXXX XXXX ). 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Equifax credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I need your help in getting these incorrect address information and unauthorized inquiries removed from my Equifax Credit File. Please remover addresses : XXXX XXXX I, and XXXX XXXX, XXXX, Al. This information is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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 a number of inquires on my credit report which I did not authorize, I keep calling and disputing Equifax and they are constantly giving me the run around. As of right now I have XXXX inquires on my credit report which I did not authorize and they keep coming back verified when I dispute which is not true. This has caused much harm in my credit score and I just want these inquires removed from my credit report. They are from, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX Bank, XXXX XXXX Loans, XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, there is also XXXX that does n't even have a name by it but a date of XXXX/XXXX/2016 and I have not applied for any type of credit on that day. Since I can not get any corporation from Equifax with removing these unauthorized inquires will you please help me in this matter.

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

Complaint narrative:
My Equifax Credit Report contains another individual 's data. The other individual 's data has been recorded in my credit agency reports for over one year -- I am not certain how much longer than that. I started checking my credit reports monthly through XXXX, and the data below is from my XXXX 2016 XXXX report. ) The company reporting the other party 's data did not take care of the problem when it was brought to their attention. That company is XXXX XXXX. I have never owned a credit card from this organization or its affiliates. 
I called XXXX XXXX about a year ago, and spent an inordinate amount of time on the phone with them. Together, we figured out the problem, but instead of fixing the error, they told me to take the problem to Equifax. I knew that was just going to waste more of my time, and believe me -- I have no time to waste -- so I am writing you for help. 
The problem is that my social security number was mistakenly entered into the XXXX record and associated with an individual whose name is XXXX XXXX. 

My name : XXXX XXXX XXXX ( aka : XXXX XXXX ) Soc. Sec. # : provided later in this online complaint form Company Providing Incoreect Information to the CRA ( s ) : XXXX XXXX XXXX Specific Problem Identified by XXXX Employees in a telephone conversation -- Another individual 's credit card account has my Social Security Number associated with it. 
Incorrect Individual 's name that appears in my Equifax Credit Report : XXXX XXXX XXXX of her last payment : XXXX, 2016 Remarks : Account closed by credit Grantor. 

All ll I am asking is for data and name to be removed from my Equifax report, as well as any others in which it may be appearing ( Sorry but I do n't have time to check on that now. ) If you need to see a scan of the Equifax-generated information that comes from XXXX, I can do a screen shot and send you that. Please email me if you need that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
the XXXX derogatory reports were bills from hospitals due to a serious car accident XXXX. My lawyer had all the bills and was supposed to pay them. When these XXXX derogatory reports showed up on my credit report I paid them right away to preserve my good credit, as I pay all my bills on time 100 %, as my credit report shows. 
Yet XXXX derogatory reports are still on my credit report from XXXX and Equifax. XXXX eliminated them after I talked with them. It is very hard to get in touch with these XXXX reporting companies to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting on my credit report that I have foreclosure which I never

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are XXXX unauthorized credit inquirys that I did not authorize and I would like to have them removed as soon as possiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
We had a credit lock put on our equifax credit report after a fraud incident. We paid a fee for this service. We cancelled this service a few months ago. When we tried to refinance our mortgage we were told there was still a lock on the account. We called equifax and they charged us a fee to take the lock off. It was still locked and we called them again and they charged us another fee. The account was still locked. They then said they needed a fax of our drivers license and Social Security card. We faxed and have a confirm but they are claiming the either did not receive it or it was illegible, they do not know which. We need to get this lock of the credit report to be able to complete the mortgage refinance process but Equifax seems incapable of staing what we need to do to have a lock we paid for to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance
State: CA

Complaint narrative:
I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax still has an error listed on my report, I disputed and no one ever even contacted the creditor. I called XXXX and the payment was deferred the due date. This account was never past due and Equifax has it listed past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just received a response to my dispute from Equifax and they are only telling me that they have previously " investigated '' the XXXX items tat are CLEARY outdated and INOCRRECTLY reproting to my credit repot and I have asked them to do the right thing and remove them already, as i have been arguing with them via phone and through letters for nearly a year now. They can not report XXXX and XXXX XXXX XXXX XXXX any longer because of the statue of limitation which has expired on both. They are also reporting very incorrect information within these accounts that are damaging my financial life. Please have them remove these XXXX account. They have NOT provided me any papers, proof or any legible reasons as to why and how they are still affectively reporting these illegal accounts to my credit report. I am not stupid and I am not naive, so they need to stop treating me that way. I can not allow this to continue, I am so tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
they said the apply for some loan i never thet plus thto te dont want to tell me were the loan was taking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with Equifax and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name XXXX Thank you in advance for helping me get these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THE ONE TIME ANNUAL CREDIT REPORT WEB-SITE IS NOT WORKING. IT WILL NOT ALLOW YOU TO FINISH TYPING IN YOUR INFORMATION, BEFORE IT FLIPS YOU AWAY. WHY WE CAN NOT GET OUR ANNUAL CREDIT REPORT ONLINE, ESPECIALLY WITH EQUIFAX, WHO DOES NOT REMOVE NEGATIVE INFORMATION AND ADDRESSES, THAT I KNOW NOTHING ABOUT.

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

Complaint narrative:
I received a alert from all XXXX credit bureaus that a new account hit my report causing my scores to drop dramatically. The collection was from XXXX which was removed earlier this year. I received no documentation validating this debt from the original creditor which is a violation of the FCRA. I would like for this to be removed from all XXXX credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I disputed an account on my XXXX and Equifax credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a second time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.

Company response to consumer: Closed with explanation