vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, and XXXX is reporting an account that is not mines. I have files a police report, filed an identify theft report with cfpb and Equifax continued to report the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are several names on my credit report. The only name I use or have used is XXXX XXXX XXXX All other names are not mine and I want them removed. Correct address is XXXX XXXX XXXX. XXXX, AZ XXXX. All other address are not valid and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please reference Case Number XXXX. Similar Issue but with Equifax. However, Equifax is stating that stating that this item belongs to me. This is an issue with the treatment of inaccurate information pursuant XXXX XXXX XXXX ( XXXX ). Please provide this information to XXXX County pursuant XXXX XXXX XXXX as I 'm currently speaking with them about a motion for stipulation and enforcement of county ordinances to show that this item does n't belong to me. This is the only additional information/step that is not included in Case Number XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I demand that Seterus return any money they have received toward the supposed servicing of my loan! It has never been my intention to pay anything to Seterus until they provide legal documentation on the proper, and legal, transfer and ownership of my loan ( as per legal record XXXX does not own the loan ) and then legal documentation/authorization from the owner that Seterus is servicing the loan. I 've asked for such documentation since Seterus first began their extreme harassment and I 'm still asking for it. I also spent years asking XXXX XXXX XXXX for this information and I have received XXXX of pages of documentation, even forged documentation, but still nothing regarding the ownership of the loan. I simply did not realize that Seterus was forwarded funds from XXXX and Seterus is simply holding and benefiting from holding funds by not at very least applying to funds toward the principle of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called several times Equifax and sent letters and faxes concerning a judgement, collections and unauthorized inquires showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I logged into credit XXXX to get my free credit score and when I did I discovered that there are debts on there that are not mine are that is already paid so I called Equifax they would n't help me they tried to charge me to answer my questions I tried to log into their site I could n't log in because there were questions on there that I could n't answer about a home loan and a car loan that I have never had I 've never bought a car or house also they say I have opening credit cards and Retail credit cards and I do not they say I have a {$23000.00} debt from the hospital which should have been paid by Georgia Medicaid which I was covered under at the time what do I need to do about my credit report I can not get any help anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to pull my credit report from Equifax. In the past when this occurred, there were too many soft pulls, so the solution was to remove those so I could pull my report again. After a number of phone calls and emails, Equifax refuses to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
All three credit bureaus : XXXX, Equifax and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XXXX XXXX and the house sale date was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have worked feverishly with XXXX XXXX Bank to get this account back to positive status. After getting this account out of the negative status. I called the credit bureaus requesting the process for updating accounts. I was told they update accounts as soon as the creditor reports the change. I was told by the credit bureau that I would need to contact the creditor. I called the creditor twice receiving the same information. The creditor advised my account information was updated on XXXX/XXXX/2016 with all XXXX credit bureaus. However, only XXXX and XXXX have updated this account. Equifax continues to state they are waiting for a update from the creditor. As a consumer I feel that this is unfair. As a matter of fact, my credit report reflects no updates since XXXX/XXXX/2016. When there have been various changes to my report. I am asking for assistance with correct reporting to consumer reports. If this was something negative they would not hesitate to report the negative information!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please help! I have been trying to dispute hard inquiries on my credit report that I did not authorize and also XXXX collection accounts that I asked for verification. Below are the dates and number of disputes. I have also tried to call and get help over the phone for the agent to tell me no to every question I had. Also I requested to take a survey however I was hung up on and not connected to the survey. These unauthorized inquires are causing me issues with moving forward in like. 

Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Expired

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently had XXXX student loans with XXXX XXXX that were discharged due to XXXX on XXXX XXXX, 2016. I checked my Equifax credit report and determined that they did not show closed and paid on the XXXX student loan tradelines with XXXX XXXX they left those open but also added XXXX new tradelines with XXXX XXXX XXXX XXXX to my credit report and then reported those accounts closed and paid. I have a total of XXXX tradelines of student loans now. I called Equifax and told them that the information was incorrect and that these accounts are duplicated and it should only show the XXXX original tradelines with XXXX XXXX as closed and paid. I receive notification on XXXX/XXXX/2016 that Equifax has not removed the original XXXX loans but they have just closed them and noted on all XXXX accounts that they were : ( Student Loan Account Transferred Or Sold Student Loan ) which is not accurate. I have tried to get them to report accurate information and I am not getting the service they should provide by law. I would like this information reported accurately as it has caused my credit score to drop significantly ( XXXX to XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been unable to pull my Equifax file either from commercial sites or XXXX 
I have also been denied credit due to the inability to pull my Equifax file to my detriment. 
I can not dispute my file online with Equifax because they have incorrect information on me and I can not begin until they correct it which they have not. 
I have spent many hours on the phone with Equifax , and have mailed the requested identity verification documents to Equifax without success. 
Please check carefully there is NO SPLIT FILE, and my date of birth and address is correct.

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

Complaint narrative:
I have not been living at the address which judgment was issued for the pastyear and I do not owe any money to these lawyers or landlord. I will like thisremoved from my credit report. Also I made final payment on my woman within account and close it. please research and clear my credit will be looking forapartment soon and this issue will not let me get the apartment I want. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SCV Inc.
State: AL

Complaint narrative:
I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX 2015, I terminated a lease early with XXXX at XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XXXX 2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both XXXX and Equifax to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report on EquiFax has a doctor bill, ( XXXX XXXX XXXX XXXX ) for {$110.00} listed as not paid. This is wrong Medicare 's Qualified Medicare Benefits paid all my medical bills on time. 
Can you please check on this and get it corrected. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
Hello, I was given a mortgage trail period plan in the amount of {$2200.00} and also told that this amount may not change if a modification is offered and my APR is 7.35 %. I submitted my monthly income which is less than what the mortgage company is asking and I believe they are setting me up for failure with a unobtainable mortgage payment. I will be in the same position after paying the trail payment plan as I am now. I really am trying to keep my home. I have to accept the offer by XXXX XXXX, 2017 or I will be faced with a sheriff sale date of XXXX XXXX, 2017. I believe I am a victim of predatory lending. Attached please find a copy of the trail plan and my pay stub. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Item was supposed to be deleted. Have documents from XXXX XXXX, the creditor for the collections account on my credit report stating they requested Equifax to delete the item. Equifax did not delete. It was paid off back in XXXX and deleted from XXXX and XXXX. It only appears on my Equifax. They refuse to help me over the phone and made me wait 30 days even though XXXX XXXX sent the deletion request right when I called them. Equifax is ruining my life by keeping this on my credit report. I actually had a woman laugh at me on the phone on XXXX of the various phone calls I made checking the status of my dispute when I told her I was on the verge of being homeless because they wo n't delete this account. It was originally deleted in XXXX off all XXXX credit reports and then Equifax started reporting it again. I 'm tired of dealing with this. I did my part, so did XXXX XXXX. Now it 's time for Equifax to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Wrong information on credit Report due to ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! 
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. 
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal.

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

Complaint narrative:
This item is with Equifax. It is more than seven years old and is not mine. I am a victim of identity theft because of this. I have tried to call them but keep getting the run around. The total dollar amount is {$4000.00}. Public Record Details. I need it removed immediately. 

XXXX Docket number XXXX County, TN Status Amount {$4000.00} Type legalitems

Company response to consumer: Closed with explanation