vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from XXXX and Equifax. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were XXXX YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted Equifax and XXXX and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with XXXX and Equifax on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Equitable Acceptance Corp
State: KY

Complaint narrative:
I was under the impression that I was apart of a loan forgiveness program. Equitable Acceptance starting contacting me at the same time that I was in contact with XXXX. Acting as though the XXXX were affiliated. After speaking with customer service with XXXX and telling them about a referral fee that I was promised and never received and a {$49.00} monthly fee that I was responsible for, the customer service representative said there was no referral fee or a charge. I was told that under no circumstance that I should never be charged for these kinds of services. The total " Loan '' is for {$1300.00} with monthly payments of {$49.00} for three years. Now that I am aware of the XXXX not being affiliated with each other, I am now paying for something that is supposed to be a free service and if I do n't, it will be on my credit report. I 've tried contacting Equitable Acceptance only to be put on hold or told that they were going to connect me with a supervisor, who never came to the phone. How is personal information shared and what can be done to prevent this from happening to others?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.

Complaint narrative:
I had a Chapter XXXX Bankruptsy filed on XX/XX/2008 and Discharged on XX/XX/2008. 
Equifax does not report the Discharge date, so I disputed this item and sent a copy of the Discharge to Equifax. 
Equifax did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX. 
So I disputed these XXXX items again ( Confirmation # XXXX ) and again sent a copy of the Discharge and Equifax is still not reporting the Discharge date and now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
XXXX XXXX, 2016 I have trying to refinance my mortgage since last XXXX, 2016. The current mortgage is with Seturus. This company has not provided my mortgage history. The history has not been provided by Seturus to me or the new mortgage company. 
This writing is my formal complaint for Seterus. Their telephone number is XXXX. The mortgage is under XXXX. The address is XXXX, Louisiana XXXX. 
My telephone is XXXX. 
In advance, thank you for assisting me with this complaint. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have received several credit reports from Equifax NONE of which show or report late payments on any of my old or new accounts. ALL old accounts were zerord from my bankruptcy and all new accounts are current. 
Yet Equifax continues to falsely report to creditors alleged late payments but can not supply the alleged account these so-called late payments stem from. 
Equifax needs to correct these inaccuracies and supply information pertaining to the alleged late account OR send updated credit reports to ALL creditors for the past 90 days to correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
After the statute of limitations ran on an old XXXX store account, Equifax started reporting a duplicate account thus showing I defaulted on XXXX, not just XXXX. I disputed it with Equifax. They concluded their investigation by saying credit granter verified the information ( but not on which account ) and to call Credit Granter for more information. I called XXXX at the number Equifax provided and they told me that the account had been sold and that their not reporting the duplicate account to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint because XXXX 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 matter as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had to judgments with my rental office that I paid in full XX/XX/XXXX & XX/XX/XXXX, but XX/XX/XXXX the judgments showed up on my credit report. XXXX and XXXX removed but Equifax never removed the information. I 'm trying to figure out how can you report a debt after it paid in full but it was never reported prior too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was paid Contacted XXXX XXXX twice for payments arrangements they ignored my requests before it went to collections Contacted collection agency and informed them that I had contacted XXXX XXXX twice to set up payments and was ignored and I would be sending payments directly to XXXX XXXX I started making payments XX/XX/XXXX and paid off the account in XX/XX/XXXX I paid {$50.00} monthly This account should have never been a collection/charge off I made a good faith offer to pay this bill prior to them charging it off I became unemployed but still tried to pay this bill when I fell behind in payments XXXX XXXX ignored my requests I wrote to them and was ignored

Company response to consumer: Closed
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Charge off Account with XXXX is not reporting correctly with Equifax, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
incorrect account on my credit report does not belong to me I am not legally bound to this account XXXX balance owed as of XXXX/XXXX/2016 {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had eight years of identity theft. I disputed it. All three credit bureaus took off the fraud after the investigation. My score was in high XXXX. It was not my fault. I had police reports, every kind of proof. They refuse to put my score back where it was. All my credit is paid on time. Perfect payments. I need your help to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputed this same account for over the last year ... Here is XXXX # XXXX validation of this account was never proven and I have requested this information a number of times ... It has been 60 days and counting to get this account removed as it has stopped a number of times from getting credit. Equifax is in violation and nothing is been done about it why? Please have them remove this account ASAP. 
I have attached additional information and the credit never showed I owe this debt!!!! Please remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SCV Inc.
State: OK

Complaint narrative:
Back in XXXX of 2014 I started to receive threatening phone calls demanding payment of this debt or that legal action would be taken against me. There were XXXX companies representing XXXX separate payday loan groups. The first was XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX. On XXXX XXXX 2014 I paid a total amount XXXX from my XXXX XXXX XXXX account. I have an email with an attached document stating that the debt has been settled/paid in full. The XXXX group was XXXX XXXX XXXX XXXX who claimed to be representing XXXX XXXX XXXX which I paid XXXX on XXXX XXXX 2014. I have also received a paid in full document from this company as well stating that the debt has been resolved. This may I received a call from Tier1 Asset Management Group LLC who miss represented who and what the were collecting. At first I was told that they were collecting a debt for XXXX in the amount of XXXX. When I called and spoke to a supervisor by the name of XXXX XXXX who admitted that they had made some mistakes on their end and disclosed that what they were collecting was for XXXX payday loans in the amount of XXXX each. XXXX loan was for the XXXX group and the other loan is for the XXXX XXXX. Which have both been previously paid. I had previously set up payment arrangements with Tier1 under the understanding I was paying off my debt with XXXX in the amount of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX, AND XXXX have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I 'm having problems with Equifax not correcting info on XXXX public records they have listed. I disputed with XXXX & XXXX 30+ days ago & they deleted XXXX of them & corrected the info on a XXXX. This is the 2nd time I 've disputed with Equifax & both times they came back " completed '' in just a few short hours. The other XXXX CRA 's took almost the 30 days allowed to delete/correct the info. The fact that 1 ) it took Equifax a couple hours to " complete '' this " investigation '' & 2 ) they state the info is correct when it absolutely is not correct, tells me they are n't even attempting to verify & correct this information on my credit report with them. I have been to the courthouse in person & have seen the correct info, and the other XXXX CRA 's have actually investigated these listings like they are supposed to, and already deleted/corrected the wrong listings. If a CRA is going to take the time to include public records which is EASY to verify if they actually did it, then they need to take the time to make sure this info is correct. This is my credit report & is very important, and as such it needs to contain correct info, not junk they just throw on there, without making sure everything is kosher first. This affects my life to a huge degree in every way imaginable, from getting credit to getting a job. As I stated, this is my 2nd attempt to get this info fixed with them, and both times they were negligent ( in my opinion ) in fullfilling their purpose & duties as a Credit Reporting Agency. They most obviously are n't actually investigating these incorrect listings when the info listed is STILL wrong, and the other XXXX CRA 's already actually investigated these and found them to be incorrect & deleted XXXX that are due to fall off soon, and updated the newest one with the correct info. As such, I would like Equifax to completely delete all XXXX of my paid medical judgements they have listed, since they are obviously not interested in displaying the correct info & just want to show whatever they feel like without regard to the very real problems that an incorrect credit report causes in peoples ' lives. And for the record, Equifax 's online dispute system is complete rubbish compared to the others '. Half the time you get errors when answering the questions that identify you, or it states your answers are incorrect, when in fact they are correct. Also, Equifax 's dispute system does n't allow for any notes to be added to the dispute like you can with XXXX 's & XXXX 's. That is just plain stupid, but does n't surprise me considering they do n't seem interested in making sure peoples ' reports are accurate & just spit back " completed '' investigations, when none ever actually took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on 2 seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I found XXXX tax liens on my credit report filed XXXX stating that I owe XXXX for the year 2010 based solely on the fact that I had a XXXX XXXX license. According to the XXXX the average licensees paid {$3900.00} in state income tax, so they figured I owe them {$3900.00} in back taxes. I moved out of XXXX in XX/XX/XXXX, so I was n't a resident of XXXX in the tax year XX/XX/XXXX. I did n't have any XXXX transactions XX/XX/XXXX. The department XXXX indicates XX/XX/XXXX that my license is issued in non-working status and may not perform licensed activities. The XXXX filed XXXX tax liens in XXXX XXXX and XXXX XXXX that should n't be there in the XXXX place. I will attch copy of my passport ( I left XXXX in XX/XX/XXXX and moved to XXXX XXXX I have not been a XXXX resident since XX/XX/XXXX ) and IRS transcript showing that I had no income XXXX XX/XX/XXXX. Also a copy of my XXXX license showing my license status. I started looking for a job since I moved XXXX, with this false credit report/public record, it makes it really hard if not impossible for me to find a decent job. I do n't know what I should do at this point. Any advice would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, XXXX XXXX XXXX, XXXX, and XXXX issued a XXXX ( Cancellation of Debt ) for the credit card accounts I had with the banks. Therefore, per Debt Buyers ' XXXX v. XXXX ( XXXX XXXX ), the banks are prohibited from " pursuing debt collection and enforcement activities after such forms are issued ''. The issuance of the XXXX creates a XXXX balance with the banks for me. And, I had to pay taxes on those funds. But, the banks keep reporting to Equifax, XXXX, and XXXX ( credit agencies ) that they are actively pursuing payment for the accounts. Their reporting makes it look like I have open accounts with monthly payments due and account balances. And, I do n't. 

I filed complaints with Equifax, XXXX, and XXXX in XXXX of XXXX but the credit agencies sent back very vague replies that I did not understand ( and I am a college graduate with extensive work experience ). And, the inaccurate information is still on my credit reports. 

If the banks discharged the debt, then the accounts should not appear as " open '' on the credit reports and they should not indicate that I have monthly payments due, and account balances ( meaning, the banks are expecting to have the balances paid down ). 

Everyone knows that posting debt information on a credit report is an act of pursing debt. Since the banks are prohibited from pursuing the debt ( because of the XXXX and statute of limitations ), then they should not be reporting that they are doing so. 
Dispute Report Numbers : XXXX : XXXXXXXX : XXXXXXXXEquifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Common Wealth Mortgage Services
State: NM

Complaint narrative:
My mortgage company of 11years has in the last two years failed to provide the credit reporting agencies with accurate information. In fact rather not send any info at all. I have confronted them about this. I have been given a bill of goods by their reps including someone who claims to be the vice president of the XXXX office. She has sent several emails claiming an attempt to resolve the issue when I have learned thru talking directly to XXXX and the other credit report agencies, she has lied. This has become a standard for them. Send out excuses, deflect and deny any responsibility. In the past two years, a merger, or take over of the original mortgage company has occurred. 
After several months of being lied to by these individuals, I contacted the State 's Attorney General 's Office in XXXX, they agreed to look into this matter solely based on the fact that several other customers have made the same complaint against my mortgage company. My patience has run out and I need someone to force the compliance and laws governing this lender. The States Attorney Generals office of New Mexico is continuing to investigate this but I fear in talking to them, it wont be enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed