Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Please reference CFPB complaint # XXXX about EQUIFAX , INC.. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of Equifax 's failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from Equifax regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that Equifax is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that Equifax provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Complaint sub-issue: Information belongs to someone else

I was going over my credit report I noticed several accounts from XXXX XXXX, XXXX XXXX XXXX XXXX I have never had an account or contract for service with EITHER COMPANY please provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX, Equifax and XXXX  diligent examination of these accounts..
Complaint sub-issue: No notice of investigation status/result

I 've have disputed this a few times and have provided Equifax supporting documents to clear this from my credit report. I 've attached my 2009 tax return regarding this tax lien that was file against me. 

Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent dispute letters to Equifax, XXXX, and XXXX  since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to incorrect items on my report that has taken well over 30 days and I haven't received any investigation results
Complaint sub-issue: Their investigation did not fix an error on your report

Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Complaint sub-issue: Account information incorrect

I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX. XXXX, XXXX Account # XXXX ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.
Complaint sub-issue: Trouble with how payments are being handled

Since the Cares act was initiated I called Nelnet who holds my federal student loan because they were not placing a hold on the interest payments as the cares act mandates. I initially called them XXXX to inform them I was still being charged interest and was told they would be placed in the no interest charged category. I told them I wanted to continue to make my regular payments, I was informed I could do this but I would not be charged interest. I received my XXXX statement and interest was still being charged. I called back and had the same discussion this time I was told I didn't qualify even though it is a federal student loan. They told me to call the department of education, I did and was told there was nothing they could do and to call Nelnet. I have called them every month and they still refuse to place my loan interest on hold as the cares act specifies. I have exhausted my resources and have no other options, please help.
Complaint sub-issue: Debt was result of identity theft

I have notified the credit agencies that I was a victim of identity theft. Equifax is the only credit agency that has not complied with the rules and regulation to remove the Time Payment account from my credit file. Please help me in getting this matter resolved.
Complaint sub-issue: Information belongs to someone else

Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.
Complaint sub-issue: Information belongs to someone else

I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. 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 via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Complaint sub-issue: Didn't receive terms that were advertised

I saved money in as required by Citi Account Package, and I was promised to get {$400.00} Cash Bonus if I saved certain amount money for 3 month when I opened the account less than a year ago. I asked the staff recently, and they said I satisfied all the requirements. But now several weeks past, I saw nothing. I contacted them several times, but they said they are investigating this and had some TECHNICAL DIFFICULTIES.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'm trying to get a home equity loan. I looked up my credit score through XXXX XXXX today, XX/XX/20. They're a subscription service that provides all three credit bureau scores. They show a credit score with Equifax of XXXX, but XXXX where I've applied for the loan says my score from Equifax is only XXXX. Both companies said to call Equifax for an explanation, but two different Equifax customer service reps would not respond to my question of why both companies have different scores and which one is correct, nor would they give me any information to show XXXX. I'm unable to get my loan and all three companies point their finger at the others. I also contacted Equifax and asked to file a complaint with them, but they would only transfer me the the same customer service reps that I want to complain about! Please help.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I can do this all day Citibank .... 
I'm responding now to their complete and total lies regarding their " investigation '' this is their response. 

Company 's Response Sending letter to reinforce the decline of credit for the {$12000.00} XXXX XXXX charge. Explained a {$16000.00} payment was received on XX/XX/XXXX and on XX/XX/XXXX was advised that a hold was placed on the available credit limit until XX/XX/XXXX, after the payment cleared. Explained on XX/XX/XXXX, when a {$7000.00} XXXX XXXX charge was attempted, passed our Fraud verification process and confirmed the charge was legitimate. Explained on XX/XX/XXXX, a {$12000.00} charge was declined at XXXX XXXX CT, which is XXXX XXXX PT and during a conversation with Citi at the XXXX XXXX Fraud verification process was passed and the charges were verified as legitimate. Reinforced due to the inconsistent information provided regarding the time frame in which claim of wallet and phone missing and because previously dealt with the merchant, the balance is considered to be valid. Regretted response to attorney was delayed and explained it was just received in office. Confirmed name and address were removed from solicitation lists but to allow 30 days for that to take effect. Sending letter to the attorney to reinforce the decline of credit for the charge. 

MY REPONSE Good job you explained I pay my bills ... I hope you enjoy the {$16000.00} I responsibly paid you guys. I never called you guys about a XXXX dollar transaction. Seems like a made up lie. But if you say I did can you tell me if the person who called knew my social and my password??? On XX/XX/XXXX I never called you guys about spending XXXX on XXXX  products. Can you show me the transcript of the person who called at that time? did they pass my security word and know my social? XXXX XXXX of Citibank said that the person who called did not know my social security and they also didn't know my password. You fools cant even keep your story straight. I never have done business with the XXXX XXXX in my life .... but suppose I did ... what does me doing business with a company have to do with fraud happening at that company? If I shop at XXXX all the time and somebody steals my credit card and uses it at XXXX does that mean I'm responsible? very foolish argument. I will write letters to you all day long every single chance. Good luck selling my debt to collections they wont want it based on the evidence I have, and the fact that I was at work 2 hours away from the location my card was used at. Best give me my money back. I also got another letter in the mail for taking a loan to pay of my Citibank credit card debt along with harassing phone calls ... Each phone call is documented and will not look good for you in court. If I don't like your response Ill send ANOTHER response. Eventually you guys will get looked into for your fraud.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, 2018 XXXX : {$5200.00}.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

My husband and I are in the process of buying a house, we were told by the lender that I have a judgement against me that needs to be taken care of before we could proceed. I was initially informed about this debt on XX/XX/XXXX by my lender. Through a little digging, we found out that XXXX XXXX XXXX filed a case against me for debt collection. When I called XXXX on XX/XX/XXXX, I asked what the debt was for and was told that it was for medication that was ordered and the amount owed, according to their records was {$2000.00}. My husband nor I are on any type of medication and relayed that information to the man who answered the phone. He then hung up on me, I called back 3 more times, only to be hung up on every time. I tried calling on XX/XX/XXXX to see if I could speak to someone who could help me, and each time I called, the rep hung up on me. 
I then contacted the local court in XXXX, IN and went in to find out what exactly was against me. I was told that there was a judgement, case # : XXXX filed in XXXX IN courts filed on XX/XX/XXXX in the amount of {$2000.00}. I tried contacting the attorney that the clerks office told me to contact, XXXX XXXX XXXX phone # : ( XXXX ) XXXX, and was told they have no case against me. I then asked what I was supposed to do, and was told that it needed to be handled through the court system. 
On XX/XX/XXXX I went back to the clerks office in XXXX IN again, the attorney on record was XXXX XXXX, phone # : ( XXXX ) XXXX which directs me to XXXX XXXX XXXX. I called and spoke to a secretary ( I believe her name was XXXX ) and was told that they have no record of my case and that the attorney 's office does not handle cases of that nature. I asked if I could possibly get something in writing because we were trying to close on a house, and was told that her attorney 's will not allow them to send out letters of that nature because it is considered " misinformation ''. I asked if she could speak to one of them because if I could not get this removed, it means we will not be able to acquire a loan. She explained that there was nothing that she could do for me. 
I contacted the XXXX XXXX office by phone XXXX XXXX XXXX XXXX on XX/XX/XXXX to see about appearing before a judge to have this information removed from my record. I was told that I could come in and file paperwork, but the soonest that I could get in would be late XXXX or early XXXX. 
I do not know what this debt is for, and am willing to pay it if I am liable for it, but can not find anyone who can give me any information. The XXXX XXXX office said that the records show I was served papers several time, but I never received anything regarding any debt owed. We are about to lose this house and do not know what to do from here.
Complaint sub-issue: Card opened as result of identity theft or fraud

I was notified on XX/XX/XXXX of a pending legal matter related to a Citibank card ( XXXX XXXX store credit card ) opened in my name in XXXX. I did not open this account. I contacted the notifying legal party this was fraudulent, then called the police and reported the same to them. They recommended checking my credit report, which I did through XXXX, XXXX, and XXXX. I did not find the account on any of the reports but did place a credit watch on my account. I also contacted the vendor direct as I was suspicious it was not a valid debt and was told the account had been reported as fraudulent. I was transferred to their account recovery team who told me they were unable to see additional details on the account and I would need to call back in 5 days so they could request access. This account is over XXXX XXXX XXXX and was fraudulent from the start.
Complaint sub-issue: Information belongs to someone else

I AM NOT LIABLE TO THE DISPUTED ACCOUNTS, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORTING ACCURATE ACCOUNTS. PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX 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 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Deposits and withdrawals

Pnc is no longer allowing me to deposit roundups into my XXXX account.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Around XX/XX/XXXX my cellphone wallet was lost including my ID, Bank card and possibly my Discover credit card. I was unaware that my discover credit card was in my wallet because I never use it. On XX/XX/XXXX I saw my statement with a high balance and I called Discover and reported my account had charges that I had not made. The account was closed and a new card was mailed out. I received a letter on XXXX stating that the investigation was closed. A month later I received a strange phone call from someone who said they worked at Discover and insinuating that i used the card by asking how would someone know what my credit limit was and how could they use the card and stop at my credit limit. Also caller stated he wanted a copy of my drivers license and a police report. I was on the freeway at the time and could not speak to the caller and ask to be called back later and given an email address and fax number so I could send information requested. I send a copy of requested information but the caller never called back. In XX/XX/XXXX all of the fraudulent charges were added back to my account.
Complaint sub-issue: Information belongs to someone else

I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.