Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Even after knowing all of the information of how institutions function in the United States to disempower certain communities and people of XXXX. It is still necessary to challenge the institutions to attain equitable treatment. The credit bureaus has an interconnection between financial institution, insurances companies, and credit unions, etc, who uses them for housing, redlining, and for devaluing an entire community by labeling all of its resident as " high risks ''. 

Equifax has attempted to devalue my credit health as the United States Government devalued XXXX Americans for homeownership in the XXXX. The Ponzi Schemes was used by the United States government to build projects for white privileged soldiers. Then the United States Government emerged with the G.I. Bill to allow white privileged soldiers to escape from the projects but kept XXXX Americans trapped in the inner-city by alleging the government did not have money to lend to XXXX Americans soldiers for the 235 homeownership program. 

The existence of economic and XXXX inequity continues to prevail with Equifax against my credit health. Equifax has developed a sense of superiority over my credit health on or about XX/XX/2019. Equifax distorted conditioning process was used to report to XXXX XXXX XXXX XXXX and other creditors that there are derogatory on my credit health. Such as a derogatory public record, or collection, and proportion of loan amount is too high on my credit health that all are unfounded in fact. 

Equifax knows that access to excellent credit health, or quality education, and health care, is the road to empowerment. Equifax internalized XXXX oppression has attempted to disempower me with inaccurate  credit information to my creditor. Equifax has generated their wide disparities in my life by their biases, stereotypes, and behaviors that characterize they're " real '' XXXX. America ( Equifax ) institutionalized racism is supported by your white power structure that allows you to loot America of goods, or steal goods, or plunder people of XXXX credit health. 

According to Professor XXXX XXXX companies of the upper socioeconomic class engage in much more criminal behavior as Equifax has done than the lower socioeconomic offenders.
Complaint sub-issue: Account status incorrect

XXXX XXXX Store card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1300.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit and they have increased a balance for interest which is beyond what I am able to pay.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Acct number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Acct number XXXX
Complaint sub-issue: Debt was paid

This is the 3rd time I have complained about this problem. I want it gone now! I am dealing with so much since covid and not to mention paying my bills that are due then this horrible debt collector sends me a bill for something I already paid over a year ago! My next step is to contact my father who is a consumer attorney. Account XXXX Needs to be removed ASAP
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Other problem

Hi, I had a credit card and car insurance from XXXX XXXX XXXX. I barely use the credit card. When I was due to pay my car insurance I sent the money to credit card by mistake. I ask my bank to get the money back, same time I had sent the same amount to insurance. My bank ( XXXX XXXX  ) wrote back to me that ; need more information 's, which I don't have. This happened more than year ago. Since then I'm trying to get this money back. I talked to numerous people on the phone, I went to local XXXX XXXX  office I haven't successful to get my money back. None of them locate my account. What I understand is that when this happening, US Bank took over the XXXX XXXX Credit card division. And neither company can find my account. All of the people I talked, tried to access the account with XXXX, Credit Card number, date of birth, nowhere to find the account. I would like you to help me. I attached the all the documents. Thank you very much.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : Equifax Mortgage Service Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Public record information inaccurate

The background report shows I had a speeding ticket in Tennessee in 2016 but Ive never had any type of ticket in any state before.
Complaint sub-issue: Information belongs to someone else

CoreLogic is reporting rental history that belongs to my father XXXX XXXX XXXX for an address on XXXX in XXXX XXXX, Nevada under my name XXXX XXXX XXXX. Ive been attempting to get their records updated by sending them the court records and the Property Managers even sent a letter stating the same but CoreLogic refuses to remove the information from their tenant report on me and its resulted in me being denied a place to live twice as well as over {$300.00} in application fees.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/2019
Complaint sub-issue: Information is missing that should be on the report

The first payment on a {$22000.00} used XXXX XXXX XXXX to XXXX XXXX XXXX was on XXXX XXXX. 
The Vehicle was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments ) through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :
Complaint sub-issue: Their investigation did not fix an error on your report

On Friday XX/XX/2022, XXXX XXXX XXXX knowingly, wilfully, with the intent to conceal disputes filed against them for various disputes, many in violation of federal and state law, again, violated my rights to due process when they perjured themselves in their submission OF eighteen ( 18 ) unique and separate FALSIFIED RESPONSES TO 18 separate and unique complaints filed against them.

In addition, their blatant disregard to federal law and to this complaint and several others demands the attention of the Eastern District US Attorney generals office to investigate these charges after signing each complaint that it was true and accurate data they were submitting to the CFPB, a U.S. government website.

This complaint will show they filed 18 submissions, and stated that all 18 complaints were duplicates to one specific complaint which you will see that to be absolutely false.

This is the list of complaint numbers they were deceptive with, the first number is the complaint at hand and the number below it is the referenced complaint that supposedly was a duplicate of the these 18 complaints.

The complaints are not even remotely the same, not the same content, not the same subject matter.

Please forward this to the US Attorney Generals Office for these serial violations and contempt of our state and federal laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.
Complaint sub-issue: Received bad information about your loan

I contacted Sallie Mae customer service via chat about different payment plans. They told me forebearance was the only option. I asked for additional information and they said they do not offer any other adjustments to payment plans at this time. I told them of my co-signer and I 's financial difficulty and they said forebearance was the only option.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF ED/XXXX XXXXXXXX ... XXXX 
{$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ... . Balance XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

The information regarding my employment with the United States XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by Equifax it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}
Complaint sub-issue: Investigation took more than 30 days

I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked XXXX to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
Complaint sub-issue: Account information incorrect

The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.
Complaint sub-issue: Information belongs to someone else

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

Today  Friday XX/XX/XXXX I contacted Equifax Credit Bureau to unfreeze my account. I was very distressed during this process I felt that I was harassed in the manner in which I was treated. Approximately between the hours of XXXX : XXXX  and XXXX I called Equifax Credit Bureau to unfreeze my Credit Report to make it available for a lender. The following occurred : automated ask my full social, birthday, numerical street address zip code, the automated also sent to my phone an access number in which it difficult for me to click over and do. Finally robot prompted me to an agent who continued to ask me the same things that the automated had asked my social, birthday , street address and zip code, After asking these same questions she said that she had some security questions as : Around XXXX of XXXX did I open an account with a group of companies and my reply was no. She asked who financed my car since I have owned several cars I needed her to be more specific and she said within ( 5 ) years I replied that XXXX was first and XXXX XXXX was the second also I sold the car in XXXX and paid the car loan off. She came back and asked me the same question and I told her the same things. She asked about who had my mortgage and how much I paid per month I gave her that XXXX XXXX  was first and currently XXXX XXXX XXXX. she act like she couldn't understand the two mortgages and I told her that XXXX had sold the loan. She also asked about my credit cards and I told her I had just got one today and who it was issued by and she asked me about XXXX XXXX and I told her I had a checking account and a preferred credit card she wanted to know the balances and I told her I didn't know. She asked me also did I owe any other credit cards and I told her no. The agent at this time told me that she couldn't honor my request because she couldn't authenticate me as XXXX XXXX even though I had answered all of her questions. 

This agent was acting like an attorney and in my opinion crossed the line in how she suppose to verify a person. She keep going off the phone saying she couldn't here me. It was a difficult phone call.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Account terms

I disputed my inaccurate XXXX item with Equifax. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is zero, which it was. Anyone could look at the item and see that it was inaccurate, without information from the furnisher. Equifax made no effort to investigate. Please delete this item.
Complaint sub-issue: Information belongs to someone else

I Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXXXXXX {$4200.00}
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX  XXXX {$370.00} XXXX/XXXX  XXXX {$190.00}
Complaint sub-issue: Information belongs to someone else

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.