vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Every year I try to use annual credit report.com and every year it is broken and locks me out of reviewing my data for free from XXXX-XXXX of the agencies. 

I tried to submit a complaint to them, and their site errored out. How convenient!!! 
Totally unacceptable. They ask extremely obscure questions that are almost impossible to know the answers to. If you do n't get these obscure questions right, YOU ARE LOCKED OUT!!!!!! 

Example : Did I open a mortgage account? I am very naive about financial instruments. I have no credit card, no loans, nothing. However, I live in a rent stabilized apartment in XXXX. By law my landlord must put my security deposit in some kind of savings account to accrue interest. Is this a mortgage account? How XXXX should I know? But I have to answer these questions 100 % right OR I AM LOCKED OUT WITHOUT ANY ADDITIONAL CHANCES TO TRY, OR ANY ALTERNATE QUESTIONS. 

Another example : What county did I live in in 2003. Well I was in college then, and I see the county I lived in so I selected it. I was totally unsure this was the right answer as my drivers license and learners permit have never used any address other than the one I have had, and currently have ( 20 years, XXXX apt , remember ). Luckily they were looking for my XXXX county, but if i was wrong. I 'm XXXX out of EASILY getting me free report. 

THIS HAPPENS TO ME EVERY YEAR. WHY DOES THIS SERVICE EVEN EXIST IF IT IS SUCH GARBAGE? 

I am not alone in my complaints : XXXX Do n't worry though, they will totally sell you the report if you cant get it for free. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
There are several accounts on my credit report that have been deleted and are still showing on my report. Also, I supporting document that XXXX account has been completely paid off and should have never appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to report a Chapter XXXX bankruptcy that was filed XX/XX/XXXX on my credit report. This is in violation of their stated guidelines reported here XXXX XX/XX/XXXXWhich states : Public RecordsJudgments remain on file for seven years from the date filed, whether satisfied ( paid ) or notPaid or released tax liens remain on file for seven years from the date released or 10 years from the date filedUnpaid or unreleased tax liens remain 10 years from the file dateBankruptcy - Chapters XXXX, XXXX, and non-discharged or dismissed chapters XXXX and XXXX remain on file for 10 years from the date filed - Discharged chapters XXXX and XXXX remain on file for seven years from the date filedNew York State Residents Only ( must be current resident ) Satisfied judgments remain five years from the date filedPaid collections remain five years from the date of last activityAll other purge rules as noted above apply

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

Complaint narrative:
I had disputed via the online system with Equifax information in regard to XXXX public records listed on my credit report. They immediately responded to me 5 days later that the information had been verified. I received this information : Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //equifaxconsumers.XXXX XXXX I called XXXX XXXX by phone today at the number Equifax provided at XXXX. I was transferred to the Public Records division. I was told that there is no record of Equifax contacting them about information listed on my file because my file is frozen. My XXXX XXXX file was frozen on XX/XX/2017 and NO information is accessible. I was also mailed a PIN to my home address in the event I wanted to un-freeze, which I have not done! 

They stated NO ONE has the ability to access my record with XXXX XXXX because the file is frozen. I am confused as to whom Equifax spoke with or verified the information with because of the information given to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. There is an account on my report for services I never ordered nor received. 
2. There is an address on my report where I have never lived. My credit was used to open an XXXX account. I disputed the account years ago and filed a Identity Theft report with the XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I got divorced in XXXX, OR I have never remarried and as of XX/XX/XXXX I am still associated with my ex husband social and address. I have attempted to have the information corrected over the past 15 years and I never see changes and I give up. Not this time. 

Another address was only a holding address while I moved I need it removed and all the credit bureaus report it. 

I have a judgement that I never received any information on and now I am not able to rent an apartment because of the judgement. I would like more information on suing the apartment complex for this lien. 

Federal Trade commission needs to reform the Credit Bureaus because data is not updated and people are done being XXXX by these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file 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 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a Consumer Finance Protection Board dispute ( XXXX ) in which I disputed a XXXX day late mark reporting erroneously for XXXX Account # XXXX. Equifax replied that the account was reporting paid as agreed. As of XXXX/XXXX/15, the account is reporting a XXXX day late mark again via Equifax. I need an explanation as to why this was reinserted to my account and why I was not notified in advance. Credit Report # XXXX supplied by Equifax on XXXX XXXX, 2015 will show the account reporting paid as agreed, no lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have paid the debt and Equifax refuses to take it off of my credit report, or host an acceptable means of filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Equifax allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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:
Last week I called my local XXXX XXXX XXXX landline phone and internet provider to ask if it was possible to have an additional phone line installed at my residence in order to get additional internet service for my grown son. Without ever answering my question or asking or notifying me, the agent ran a hard credit inquiry on my credit that I discovered on XXXX XXXX, 2015, which had taken place on XXXX XXXX, 2015 ( Equifax ). I called XXXX on XXXX XXXX, 2015 and asked them to remove it because I did not authorize it, but they refused. The agent said I would need to contact the credit reporting company for that. I contacted Equifax and the agent said I would have to contact XXXX XXXX XXXX and ask them to submit a request for removal. I called XXXX back with the information I had learned and after hours of being transferred, hung up on and speaking with the various unhelpful agents, no one did anything to help me. I urged the last agent to listen to the recording to prove that I did not authorize the inquiry. She said XXXX XXXX XXXX would call me back that same evening. No one called back. I spent over four hours trying to resolve this with XXXX XXXX XXXX yesterday and I really need your help, as no one seems to care enough to do something about this but me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a SSN which is not my true and valid SSN. I have sent them copies of my ID and stated that any other SSN or identifying information is not mine and should be completely removed. Because of the wrong SSN number on my report I can not access my reports and identity verification systems can never work for me. This is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My client has a collections on his credit report from XXXX XXXX XXXX, which has recently been charged by the Federal Trade Commission of pedaling worthless high school diplomas. XXXX. I do not believe he should have to pay this organization, yet his credit is being spoiled. Please advise regarding how we can have the collections information removed from his credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a police report with police report with some fraudulent account XXXX XXXX XXXX XXXX, was one. ). 

Equifax refused to block this item on my credit report even though the police report said that the account was open without my knowledge. Additionally, I had also filed a XXXX postal office report as the account could have been open via mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax continues to report information on my credit report that does not belong to me. My report number is XXXX. 
The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how Equifax verified the information, including the business name and address contacted and the telephone number if reasonably available. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these entries be investigated and removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax continues to show on our credit reports XXXX Chapter XXXX bankruptcy filings from XX/XX/XXXX and XX/XX/XXXX as if they are still active Bankruptcies, despite XXXX complaints and proof that both bankruptcies were filed well over 7 years ago and should have been removed in XX/XX/XXXX and XX/XX/XXXX respectively. See attached rules for removal of Bankruptcies from credit reports and latest incorrect response from Equifax. This incorrect reporting is badly harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Removed bankruptcy from report after disputed. Reposted bankruptcy again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
**This is n't a duplicate request please read as I have loaded supporting documentation**I was advised incorrectly from the creditor that my credit report would delete the derogatory marks after six months. However the information was incorrect, it was actually 9 months. The nine months have passed but no updates to all XXXX credit reporting bureaus. To delete the inappropriate marks on my credit report in a timely fashion because the XXXX advised the update was sent on XXXX/XXXX/15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
STILL DO NOT HAVE AN UPDATED-CORRECTED CREDIT REPORT. I have been going online trying to dispute and remove old items ... still a real problem. 
Last Credit Report I received was dated XXXX/XXXX/2014. 
PLEASE CORRECT : 1. XXXX- # XXXX-Old account-was transferred and re financed.-REMOVE 2. XXXX- # XXXX-old 10 years old paid and closed REMOVE 3. XXXX- # XXXX-Over 10 years old-REMOVE 4. XXXX XXXX XXXX # XXXX-same account as # XXXX above XXXX-REMOVE 5. XXXX Auto-Paid and closed-10 years old OLD REMOVE 6. XXXX- # XXXX-Paid and closed-old 10 years old REMOVE 7. XXXX- # XXXX-paid and closed-old 10 years old-REMOVE 8. XXXX XXXX # XXXX-Paid and closed-Old-10 years old REMOVE 9. XXXX XXXX XXXX # XXXX-Paid and closed-old 10 years old REMOVE 10. XXXX XXXX XXXX # XXXX-Paid and closed-10 years old REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Came up with page saying : " Online Delivery Unavailable - Mail in Request We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' I have a time sensitive issue ( fraud ) and can not wait 3 weeks for them to get me my report. Equifax would not help me or give me a way to see my free report and I could not get a real person to talk to about the problem at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. EQUIFAX and XXXX also reported " included in BK '' but last report date is XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law. I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is reference to CFPB case # XXXX. Equifax is using stall tactics to correct the errors on my credit report. Please see the attached documents from Equifax that this attached to case # XXXX, which shows XXXX XXXX # XXXX was removed from my account. Now why do I need to wait 30 days from them to reinvestigate when it 's showing there document with the report number # XXXX. Also, the XXXX account is reporting late and the account is closed, plus over the status of limitation. Equifax is changing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An auto loan with XXXX XXXX XXXX which is correctly shown on my Credit Report as paid in full in 2005 is carried on my Credit Report as an open account. That makes no sense so I would like it deleted from my Credit Report.

Company response to consumer: Closed with explanation