vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
During the process of my refinance, the credit report was pulled and I was notified by my mortgage broker that my score was not high enough to obtain a preferred rate. I was surprised to hear that, as I worked very hard to clean up my credit in the last seven or eight years as I had some difficulties paying off my balances on my credit cards that are in question. 
In XXXX, all balances were paid off. During the review of my report I noticed that even though the date the account of XXXX XXXX and XXXX was last active or paid off was in XXXX, Equifax was still showing them as XXXX negative trade lines on my account. I also noticed that the date last reported was XX/XX/XXXX. I called Equifax on two different occasions as I thought that one agent might have been wrong on the information that he was providing but both people at each separate time indicated to me that because these XXXX accounts were disputed in XXXX, the Equifax will continue to show it for 10 year period since the last time it was active ( with the status paid off with less balance ). I was shocked to learn that and expressed my concern that I do not believe that this was a fair practice to extend the term of reporting for an additional XXXX years because I disputed the coding that was being reported incorrectly. The last active date of XXXX was because I disputed the coding of the status with each grantor which was ultimately resolved and corrected to my satisfaction. I asked the agent why I was being punished by adding ten more years of reporting from the last time I disputed the information which results in negative impact and prevents me from obtaining financing. The response I got was that the derogatory info/code would be maintained until XXXX according to the policy which was created by the credit bureau and the financial organization but when I asked to see a copy I was told that they were unable to provide any proof of the retention policy to confirm that it was correct ; however I can go ahead and search the internet for the retention policy and I can be assured that it will support their answer. They stood by their answer that every time the information is disputed, ten more years will be added to the last date that it was active or the date of the dispute. 
In this complain, I ask that you investigate the issue as this practice is unfair. Inquiries, disputes, etc. should have no impact of how long the information will remain on my credit. I have paid all my obligations in XXXX and do not believe that it is acceptable to maintain the negative information until XXXX ( for 15 years ) because of dispute with the grantor. 
I thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1st I submitted a dispute as " not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have several accounts in my Equifax file that does not make any sense im filing a complaint on each one individualy detailing my concern with supporting documentation to back up my complaint. First i will start off with XXXX XXXX this account was a checkin account and went negative in XX/XX/XXXX. It was reported to XXXX and fell off my XXXX report after 5 years. This was never a payment account or credit account it was a bounce check that caused overdrfts fees that exceeded XXXX altho my report reflects positive payment history followed by a charge off in XXXX XXXX. This info is incorect and has been close to 7 years reporting inacurate outdated info. Also this account has been paid in full as of XXXX XXXX it still reflects a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support

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

Complaint narrative:
This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Credco has placed a hard inquiry on my XXXX report prompted by XXXX XXXX, I did not authorize this and have contacted XXXX XXXX and Credco to have it removed.

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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Per attached letters from XXXX my account was only XXXX time XXXX late and XXXX XXXX was open from XXXX to XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed.

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

Complaint narrative:
Credit reporting violations include where your credit report contains information that is inaccurate, disputed, and outdated. However, they have refused to remove. 
Public Record CHP XXXX - 10 years old ( Equifax ONLY ) Child Support Error- 14 years old ( Equifax & XXXX ONLY ) XXXX Bill- XXXX years old ( Equifax ONLY ) XXXX ( Student Loan ) - PAID in full 2010 w/IRS offset. However, I am presently STILL paying in efforts to protect my credit score. ( Equifax , XXXX & XXXX ) If you do n't have any success with these violations of statutes. I would like to pursue compensation for damages suffered ( such as credit loss, higher interest rates and emotional distress ), plus an additional amount up to {$1000.00} per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had come to find out that i have a collection on my credit report that has been fully paid. The collection was by XXXX XXXX and should have never existed in the first place. The doctor who submitted the collection did so in error do to a malfunction in his accounting process. I have a signed statement from him attesting to this fact. I have disputed this with XXXX and they promised to remove the collection but did not. I then have disputed this with Equifax several times and and they will not remove the collection. This collection has been reduced to zero but i have never paid the collection agency a dime!! 
Furthermore, every time i open up this dispute, Equifax updates the balance to zero and the collection to the latest month decreasing my credit score even more. Finally, XXXX have already agreed this was erroneous and have totally deleted the collection from my record. At this point i feel harassed by Equifax since they will not investigate properly or provide any transparency as to how they arrive at their decision or who they have called to verify information. I have also called them several times to discuss with to no avail. This agency is by far XXXX of the worst organizations I have had the displeasure to work with. My credit score went from a XXXX to a XXXX, this is ridiculous and should not be tolerated. I will attach the signed letter from the Doctor as evidence. I have also uploaded proof of deletion by XXXX. 

Also i have opened up yet another dispute and included the number in the above dispute number field provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had written XXXX to Equifax on XXXX XXXX via certified mail XXXX XXXX and XXXX XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are:XX/XX/2015 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso XXXX XX/XX/2015 - XXXX XXXX XXXX XXXX XXXX XXXXI did not get any response from either that this debt is valid. I escalated this to Equifax, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they responded with an automated response " We verified that this item belongs to you '' but did not validate the item or showed proofs that this debt is valid. It has passed more than 30 days since I requested validation and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I ran my credit report in XXXX and saw that XXXX was reporting that I had XXXX late payments even though I had settled the account and was paying XXXX a monthly payment and was never late. I contacted XXXX and they said they had made an error and would correct it. My bank told me to wait XXXX months knowing I had XXXX until I had to move, so that the credit report would update. When he re ran it today the late payments were still on there. When I contacted XXXX, after being shifted to XXXX different departments and back to the Debit collector I was basically told that even though I was paying the people that bought my account on time XXXX continues to report it as late payments. I explained that I would be homeless and was told tough luck

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
I 've responded to Equifax by faxing my information they requested on XXXX XXXX, 2016 four different times to the fax number of XXXX and XXXX. I followed up on the matter and received no resolution. I spoke to a XXXX from the office of consumer affairs on XXXX/XXXX/16 and was rudely talked too and loud talked to the point, I could n't get a word in and got hung up on. I 've followed up again on XXXX/XXXX/16 and received the same rep and received the same level of service and got hung up on again. I totally feel discrimated and mistreated by the office of consumer affairs and its employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: ID

Complaint narrative:
I am currently in a loan where I owe XXXX I can not pay for it because I have just lost my job, I will be going to college and after that the loan will be too much for me to even pay for. The bank that I have is with XXXX and this is in Idaho. I called them and talked to XXXX different people about the problem that I have and they had no solutions I wanted to foreclose the loan and they were not able to process it I am currently filing for bankruptcy and will be stopping any further payments to this speedy cash loan place, I WARN ANYONE WHO DECIDES TO GRT A LOAN DO NOT AND I REPEAT DO NOT GET XXXX HERE because this is absolute XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax credit report has an account that I have no knowledge of, as well as a collection account for the above account. I have disputed this account for two years and have gotten no where with the creditors, collection agency, and the credit bureaus. The account in question is XXXX XXXX XXXX, and the collection agency is XXXX XXXX. Both companies are reporting an address that is not my residence, in fact it is about XXXX miles away. The address that is reported is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I want any and all accounts, connected with this address deleted. I do not reside there, nor do I receive mail there. I have asked for validation with my signature on several occasions, and had never received validation for these accounts. Please have these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
US Bank ( US Bancorp ) sent checks I ordered to my ex-husband 's house despite the fact that they know my current address and all my mail and my mortgage is for my current address. I have not been able to find out where those checks are. The people at the old address said they sent them back. US Bank fraud department said they were sent to the branch, the branch says they were sent back to the printer and destroyed. The fraud department said I should close down the account and open a new one. However I have all my bills, credit card bills and mortgage on autodebit with that account with the missing checks. If I close it I could get late fees and other penalties the could adversely impact my credit. I also do not have time to reestablish autodebit with XXXX utilities, insurance policies, credit cards, mortgage companies etc.

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 2016-02-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: IL

Complaint narrative:
I graduated from XXXX University in XXXX this past summer and my student loans have come into repayment. I was able to find a full time position, outside of my field of study making $ XXXX a year. My Discover private student loan principal is $ XXXX making the payments on those alone over {$1700.00} a month. I am currently on the reduced payment plan but it only lasts 6 months, after this period defaulting looks like it could be my only option. Thus far, Discover Student Loans has been ridged and unwilling to offer any sort of long term solutions to make repayment of the loan affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: LA

Complaint narrative:
Company provided services for a medical procedure that they claimed after the fact I owed money that the insurance company did not pay. I did not agree, nor was I aware before receipt of the bill in the mail that this amount was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Did not like the way Discover.com has handled and determined to reverse the credit on a disputed charge by XXXX XXXX XXXX. A copy of my letter of intent to continue dispute lodged with Discover.com is below : I deny I ever viewed, received or agreed to the terms on the alleged documents posted by Discover Card in said dispute. I viewed and agreed to a different set of documents that did not include a trial or additional charges. By this notice I intend to continue this dispute with XXXX XXXX XXXX. There is no proof I agreed to the terms alleged. I have also notified the Federal Consumer watchdog agency, CFPB and the FBI of the outrageous nature of XXXX interstate business practices. XXXX XXXX XXXX_____________________Signature Date : XXXX XXXX, 2015

Company response to consumer: Closed with explanation