vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Even though the amount was paid 4 years ago as soon as the case settled it still shows on my credit report as unpaid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted XXXX regarding a medical collection in the amount of {$1900.00}. I was told they have no contact information on the creditor, yet they ordered me to pay the posted amount. I do not owe this amount and was covered by insurance policies during this period. Need help removing this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a PayPal account. I funded my account with PayPal My Cash card that I bought from a store. I then used PayPal debit card to make regular purchases. Based on those activities, PayPal freeze my account for no good reason. I 've asked them to refund my balance but they refuse to do so and said they will hold my money for 6 months. Please help and make PayPal refunded my remaining balance. They have no right to keep people money for 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed a name on my equifax report that should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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 have contacted XXXX and they informed me as I had reported that this credit card was obtained fradulently and even though I have reported to credit bureaus and also asked XXXX to notify nothing has been done and it 's been on there for years. As for the Tax Leins ' the IRS figured those years of my taxes and they are the ones that obviously made the errors, but yet I am being financially punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I completed a loan modification package back in XXXX 2015 to aid with my loan, I was approved by XXXX California ; however, my Lender/ Servicer `` Seterus Inc. '' will not respond to any inquiry that I make nor respond to the requests that XXXX California make to them on my behalf. Every time I call they keep telling me that they do not have any updates nor do they have the ability to find out any status update to XXXX California. Furthermore, my servicer Seterus Inc and trustee sent me a letter showing that my home will be sold on XXXX XXXX, 2015. This is unfair as Keep Your Home California is able to help me but my Servicer Seterus Inc. will not respond to their inquiries to fulfill my modification and are delaying any correspondence. I feel based on their actions that they are intestinally trying to sell my home and make me homeless, I am running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I do not owe this company any money. I never received any product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called the credit bureau to let them know the correct information. This XXXX bill was resolved. I had spoken to a manager in corporate about my account after writing the XXXX on XX/XX/XXXX. The account was moved to a different company and it was agreed that I was to send the equipment back and I had no bill. It was paid in full and the equipment returned. I did not receive service for XXXX months ( XXXX ). I could not receive a phone call or messages. I had gone into the store on several occasions. I received a letter in XX/XX/XXXX from the collection agency XXXX. I sent them a letter of dispute within thirty days and all the documentation I had. This item was removed from all bureaus after sending the information. It appeared on all XXXX credit bureaus again from a different collection agency. I disputed the charges and the item was removed. I also filed a fraud police report. Just recently the item has appeared again from a different collection agency. I called XXXX XXXX several occasions to resolve this issue. I have spoken to XXXX representatives in different departments within XXXX hours. All representatives said something different transferred me to different departments and gave me several different numbers. Each representative left me on hold for a minimum of XXXX minutes plus. I have recorded some of these conversations. I was told I do n't owe anything and then I was told I do. I have yet to find out what for. They saw the documentation from the conversations with the manager and the several times I had to take my phone in the store for repairs. I went into the store to resolve and I could not resolve. I could not even receive a phone call from the tech department when I had phone issues with them. I paid for services I used and could get. They were changing and working on towers. This should not reflect me in anyway or my use of cellular serivce. My rights were violated when I disputed the last notification on my credit report with XXXX bureaus.The letter was received and I did not receive any proof that these charges were mine. It was instantly reported to XXXX bureaus. I would like this removed off my credit report and for it to be completely resolved. Enclosed you will find any remaining documents I have. The others were mailed to the first collection agency.This was completely resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed and sent copies of paid in full information to Equifax / XXXX and XXXX showing proof of payment, and all companies with the exception of Equifax has updated there records. I have been attempting to reach them to get this reported correctly for several months to no avail each time I make an attempt, I get an offshore rep from another country I can hardly understand and nothing gets done. I 'm needing them to please correct this information..

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: GU

Complaint narrative:
I am currently a victim of financial fraud and Identity theft where unauthorized charges were made on all of my credit accounts and although I incorporated automatic monthly payment procedures on all of my credit accounts, culprits within the credit bureau, within my creditors, and from within my bank, misutilized my credit record, and further recorded erroneous late payments on my EQUIFAX, XXXX credit files. In addition, they attempted to hide their criminal activity by marking more than XXXX my lawful good credit accounts off as CHARGED OFF and XXXX account as a Collection. Myself and XXXX XXXX services incorporated a credit correction campaign spanning more than three years. Despite our lawful attempts to correct and remove the erroneous late charges and delinquencies from my credit files, EQUIFAX, XXXX, have continued in violation of federal law, in violation of fair pattern and practice, and in violation of my civil and constitutional rights, reporting erroneous credit information severely damaging my attempts to buy a house, a car, and to rent. I am severely devastated by their negligence. I am currently a victim in the XXXX. My Victim identification number is # XXXX. I am defamed, slandered, and suffering severe mental anguish. And even though the erroneous late payments and account statuses have been continuously in dispute, EQUIFAXXXXX, have continued to report the disputed accounts to potential creditors!!! Please help. Remove all late payments and restore all of my credit accounts to PAID AS AGREED. The status all of my credit accounts were in prior to XXXX 2013. All were PAID AS AGREED and NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: United Consumers Inc
State: VA

Complaint narrative:
My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Confusion with me and my fathers XXXX bill because we have the same name.

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

Complaint narrative:
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried to get my free report from the XXXX credit bureau but XXXX failed and only XXXX could get me the score. Besides, XXXX XXXX, the application, failed to get me my score. Also, after having about 7 months of good history and a score of XXXX XXXX and something and without any issue in my history, I got rejected when I tried to apply for a XXXX credit card and XXXX credit card while my friends with 2 months of history and not as good as my score manage to have all of these credit cards easily which left me confused. Please help me finding out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting my current XXXX XXXX account opened in XXXX 2013 as XXXX times 30 days late as well as months reviewed at 16 months. The months viewed should be 23 months as the account was opened in XXXX 2013. I contacted Equifax who advised that XXXX has to update this information so they started a dispute. I contacted XXXX and they advised that this is something the credit bureau updates. I feel that Equifax is keeping this number at 16 months reviewed in an effort to keep my credit score low by having lower months of review on the account. XXXX has also forwarded to Equifax on several occasions requesting that my account reflect no lates and pays on time. I recently applied for employment and the has come up on the back ground check. All of my other accounts reflect accurately with the number of months reviewed expect for my auto loan with XXXX on my Equifax file. However it is correct on the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I wrote all XXXX credit bureaus as I found misinformation on my reports. Equifax is the only one that did not respond. I wrote them XXXX.Considering the other XXXX bureaus deleted XXXX errors tells me Equifax has errors too. I sent them all the same ID copies as spelled out on their web sites. Equifax CHOSE to ignore me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
MY PROBLEM BEGAN AFTER I DISPUTED ACCOUNTS ON MY CREDIT REPORT. I DISPUTED THE DATES SHOWN. I LOST ALL DISPUTES SAYING THEY MET THE STANDARDS. I KNEW ONLY WAY IT WAS POSSIBLE WAS IF THEY FALSIFIED THEIR RECORDS. I ORDERED SEVEN ( 7 ) YEARS OF MY BANK STATEMENTS TO MAKE SURE I WAS CORRECT ON MY DATES. I WAS THEY SHOWED NO PAYMENTS MADE ON DATES THEY CLAIMED OR ON ANY DATE IN LAST SEVEN ( 7 ) YEARS. EACH TIME I DISPUTED THE ACCOUNT DATES CHANGED. AT THE END THE OPENING AND LAST PAYMENT DATES WERE CHANGED FINALLY SHOWING ACCOUNTS WERE STILL OPEN WHEN ALL WERE CLOSED FOR YEARS.. THE COMPANIES THAT BOUGHT MY CHARGED-OFF ACCOUNTS REPORTED NEW DATES AND ACCOUNT NUMBERS XXXX ( XXXX ) XXXX XXXX account turned into XXXX ( XXXX ) .I wrote XXXX XXXX got no reply but accounts changed from write off to no missed payments and XXXX showed right dates of last payments as XX/XX/2006. same with XXXX XXXX ( XXXX ) was good XXXX ( XXXX ) bad there was only XXXX ( XXXX ) account these accounts appear three ( 3 ) separate times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Seterus Inc, reported a late payment for XX/XX/2015 to my mortgage account and has refused to correct it on the XXXX credit reporting agencies. Although my monthly payment was {$810.00}, I paid the exact amount as stated due, according to their mortgage statement for XX/XX/2015. Being a fairly new client, seeing there was an adjusted stated amount of {$610.00} for that month, was n't unusual, so I paid that amount, which Seterus recorded as paid on XX/XX/2015. I was appalled when I saw that they reported a thirty date late. I 've requested that they take the procedures to update my credit reporting files, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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 continues to attempt to keep my report from me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
XX/XX/XXXX : I requested my free annual credit report online from Equifax , XXXX and XXXX. I was asked security questions for proof of identity and it did n't match some information currently on file. ( This was also the case in a previous request in XX/XX/XXXX where that ended up in a dispute with Equifax where they had incorrect identity information along with other disputed credit information. ) The XXXX XXXX XXXX ( XXXX ) requested a hard copy request for the annual reports and hard copy proof of my identity. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by XXXX and it was available to them on XXXX XXXX, XXXX at XXXX. 
XX/XX/XXXX I received my annual reports from XXXX and XXXX, but none from Equifax. 
XXXX/XXXX/XXXX : I received a letter ( written XXXX/XXXX/XXXX ) from Equifax Information Services LLC which asked for the same hard copy proof of identity information provided to XXXX to be sent to their provided address in XXXX, GA. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by Equifax and it was available to them on XXXX/XXXX/XXXX at XXXX. I never received any reply from Equifax by any method. 
XXXX/XXXX/XXXX : Since there was a chance that lightning destroyed Equifax 's mail receptacle with my letter in it, I wrote another letter and included the requested documentation and mailed ( certified mail ) it to Equifax on XXXX/XXXX/XXXX. That letter and documentation was available to them on XX/XX/XXXX at XXXX. In that letter I added an Important Note stating that if my request is again ignored I will consider that I have exhausted all avenues and will submit a complaint. 

After a very long wait and no activity by Equifax , I am submitting this complaint to CFPB. 

Hard copies of any of the above referenced documents are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Requested an investigation in reference to a hard inquiry from XXXX XXXX on my credit report under Equifax. I already submitted an investigative dispute with Equifax numerous times with no success in removing inquiry. Next, I submitted an investigation with XXXX Billing and Credit Dept. via mail and received a reply via mail with no success in removing inquiry, pursuant to Sec. 604 ( F ) ( i ) and ( ii ) of the FCRA ( 15 USC 16816 ) according to reply letter. In closing, I contacted the Consumer XXXX Protection Bureau ( CFPB ), representative from before mentioned agency provided information in reference to this CFPB complaint, orientation provided via phone call and file a complaint in unison with the FCC via their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is an outdated item listed which is Past the statute of limitations, I have tried to dispute this with no outcome which is XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a fax claiming that it was fraud and they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is incorrectly showing an amount for collections for a XXXX card. This card was closed an paid and the amount was transferred to a new card. This should be removed from the credit statement. Both XXXX and XXXX are not showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We have reviewed the judgement information. Case or ID # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation