vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have requested several times for Equifax to investigate things appearing on my credit and have yet to receive any response in writing from them. A request for information was mailed to them the following days : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, last one mailed XXXX/XXXX/2015. Then contact was attempted via phone only to be told to forward the same documentation that was supplied in each mailed correspondence. I was informed that information would not be released until the documents were forwarded for which I did on XXXX/XXXX/2015. I also called again today and spoke to XXXX.He checked his records and said that everything was okay and that the address was not updated until 5 days ago XXXX/XXXX/2015 and unknown as to why it took so long only to be told it was systems error. I have not had any problems receiving information from XXXX nor XXXX and that includes scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX accout information is to be removed. XXXX and XXXX acted immediately. Equifax is still draggin it out and has not removed the item from my account as the others already have causing me to lose financing for the house my wife and I purchased. 

,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Doc # XXXX - Equifax told XXXX we were a credit risk which resulted in high risk credit fee. 
Doc # XXXX - this is Credit report from Equifax - nothing indicating high risk. 
Doc # XXXX - Research Request Form to Equifax asking for correction. 
Doc # XXXX - New credit report from Equifax completely different from report of XXXX XXXX. Probably sent to cover up their error in the report to XXXX. No corrections. 
Doc # XXXX - Research request form requesting correction for listing a commercial card that was not ours and an incorrect address. 
Doc # XXXX - Equifax response that did not address either of the two issues in the research request but removed an address which had previously been an address for our association. 
Equifax made a mistake by reporting to XXXX that we were a credit risk ( XXXX confirmed that they had been contacted by Equifax and given this information ). Equifax has tried to confuse the situation rather than correct their error by sending a different credit report ( Document XXXX ). How could this credit report be so different from the first credit report? Equifax continued to try to confuse matters by sending a response ( Document XXXX ) that did not even address the issues raised in the second research request form ( Document XXXX ). 
Again we request that a correct report be sent to XXXX with a copy to us stating they erred in the initial report to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXXACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014

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

Complaint narrative:
Equifax will not do a proper investigation. They continue to say the information was verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.

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

Complaint narrative:
There are XXXX XXXX accounts listed on my credit report on which I was an authorized user in the past. I'm no longer an authorized user and I have requested XXXX to remove these accounts from my file since they do not belong to me. They keep reporting the account as Closed/Paid/Zero Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article XXXX highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in XXXX XXXX. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article XXXX and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article XXXX of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am unable to obtain my Equifax credit report because NONE of the validation/verification challenges are recognizable. YES, I *do* have a mortgage and auto loan ; HOWEVER, they are not with the businesses listed nor are the monthly payments correct. I am a senior citizen and I drive very little. I do NOT have access to a printer to mail them a copy of my ID. I *do* have my driver 's license scanned but I can only provide it via email as I have no access to a scanner. I need to see my credit report to dispute what I suspect are OLD derogatory items. Also, I am now very worried because of the weird verification questions that there are serious problems with my credit report. I am a XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had to close a XXXX XXXX Account as my business required me to have another XXXX XXXX. Once closed, I attempted several times to receive a final bill/payment info from XXXX XXXX. I was unable to do so primarily because it was IMPOSSIBLE to get anyone in customer service on the phone. After approximately 9 attempts I was able to reach someone who INSISTED that a XXXX account under my name and home number ( which had already been ported over to XXXX at this point ) did NOT exist. Keep in mind I have been a XXXX XXXX customer, and a satisfied one for over 20 years, but XXXX was impossible in terms of customer service. I FINALLY did receive correspondence from Fios IN THE FORM of a Collection Letter, from a Collection company called XXXX XXXX with my outstanding amount. I called immediately, explained what had happened and made payment arrangements that day. I also have reached out to XXXX repeatedly AS HAS THE XXXX in NY as XXXX reported this to both Equifax and XXXX and it impacted my credit scores - something I am working aggressively and diligently to rebuild. I have pleaded with them directly and through the XXXX to remove this from my reports, as I do not believe it should be on there. THEY REFUSE to remove it. XXXX shows it on there, as a collection account with a XXXX balance. Equifax shows it as a collection account with {$120.00} still outstanding. I am seeking help from any agency that can help me GET THIS REMOVED from my credit reports. It is unfair that it was reported to begin with. I tried reaching them multiple times as stated, stayed on hold for up to 45 minutes more than once and STILL was never connected to a Customer Service Rep. It was infuriating and then to see it reported was beyond infuriating, again most especially as someone who has been a XXXX XXXX customer for over 20 years. I am hoping you can help me please. I am uploading my letter sent directly to XXXX with the XXXX copied. This is the XXXX contact that refuses to remove this - XXXX XXXX, Executive Relations Sr. Analyst, XXXX Thank you in advance for any help you can lend.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX, XXXX, XXXX GA XXXX reported a Debt collection was reported to EQUIFAX on XX/XX/XXXX from a first Delinquency date of XX/XX/XXXX for a debt of {$280.00} from a Rental/Leasing Client XXXX. My response to EQUIFAX was that this was beyond the XXXX Of XXXX statue of limits for notification of debt and wanted it removed from the credit report. EQUIFAX report back that this does belong to me and left it on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a chapter XXXX bankruptcy XX/XX/XXXX, see documents attached ( It 's been more than 10 years ). I filed a Chapter XXXX, discharged XX/XX/XXXX, see documents attached ( t 's been more than 8 years ). Equifax refused to remove it after I called them regarding a removal request. Experian has not remove them either. XXXX complied and removed both records from my credit report. See FICO credit report attached. I am XXXX and a XXXX retiree and my only hope is your assistance regarding this matter as this information affects my credit greatly. I am so grateful for your service! Thanks o much : )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX / EQUIFAX / XXXX XXXXALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORT FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. 
ALL ACCOUNTS REPORTED ON XXXX / EQUIFAX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- 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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my Equifax report and was informed there was a charge for {$32.00} from XXXX XXXX XXXX from XXXX ; however, no additional information was available. 
I have no idea who or what this charge is for. I have never received a {$32.00} past due medical bill, so I can only conjecture it was a fraudulent charge ( either mixed up with a similar name or incorrectly assigned to me. ) However, I also wanted to make sure that it was not a bill that I had never received and had been sent to collections. IF it were my bill I would be willing to pay the actual amount - but I never had received anything. 
Last week XXXX XXXX XXXX ) I called XXXX to request details- stating I had no idea what this charge was for, and asking for a return phone call, and clarification. 
I have NOT received any response, therefore I can only assume it is a fraudulent charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I moved to XXXX From XXXX in XXXX 2015. 
Since then, XXXX Bank has been my only credit card provider in XXXX. 
I have outstanding XXXX history and I have been building XXXX credit since I moved out here. Equifax is refusing to update my Social Security Identification. 
They are claiming that it is a work only number and thus they will not add it to record. 
This mentality has led to me being rejected for over XXXX credit applications, loss of credit score and loss of time/opportunity to build credit. 
To my knowledge the other big credit bureaus have up to date records of my personal information. I have spent well over 6+ total hours engaging Equifax and doing what they demand to update my information. I have even had my bank get involved and call them, email them, fax them. 

This is complete nonsense and extremely frustrating. I expect my U.S Social ID number to be added to my personal records. This is the only us Social ID number I have and thus it belongs on my records. They have kept it blank even though my bank has instructed and confirmed my status, and other credit bureaus have had no issue making sure my records are up to date. 

Equifax has knowingly and intentionally withheld accurate information from my personal record which has led to several consequences for me. 
-Loss of Credit Score -Several Credit rejection precedence -Loss of rewards opportunities ie. Loyalty savings -Loss of credit building time I have done everything they have asked. I 've verified all my info, emailed faxed, called, involved my bank. They walk me in circles and do not give me answers or help me. They have told me several times they would update my records and then other times told me they will not. I am sick of this. It is my personal information. It is my right to ensure there is no discrepancy that will hurt my ability to build credit. Its hard enough starting from scratch in a new country when I have perfect XXXX credit history being ignored. Without this change it is impossible for me to get additional credit and build the necessary history for a mortgage, credit, scores. 

This MUST be brought to justice and rectified. I have fought too long for such a simple concept. 
I 've confirmed & done everything they have asked. I asked for one thing. They have not done what they told me they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SET Financial Corporation
State: SC

Complaint narrative:
I moved into my current residence XX/XX/XXXX. The prior resident XXXX XXXX XXXX was evicted from the residence due to non payment of rent. She had an installment loan with SET Financial I have had representatives of SET financial show up at my residence numerous times at night XXXX trying to contact XXXX XXXX. Yesterday on XX/XX/XXXX I came home to find a constables business card left on my front door stating a case was filed. After contacting the constable I discovered the claim was not against me but XXXX XXXX for SET Financial. I informed SET Financial today XX/XX/XXXX that if they do not cease all harassment against me trying to find XXXX XXXX that I will take legal action against SET. I do not know XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed