Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Today I login to myequifax.com and attempted to get my credit score. I was not able to view my credit score even thought Equifax website said I can view my credit score for free. Last month Equifax advised they were sending my credit score through the mail. It never came probably because they can not pull it. I am considering taking legal action against Equifax they have denied me my right to make a living.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified Discover Financial Services that I was a victim of a declared natural disaster being COVID-19. As a result Discover is reporting late payments for the months of XXXX and XXXX of 2021. I have had exceptional payment history for 9 consecutive months since. Please investigate and review.
Complaint sub-issue: Debt was paid

Even though thus debt is not mine I still paid it on the promise that the collection agency would delete it from my credit and they have not. Please help
Complaint sub-issue: Account status incorrect

I have made 2 previous written requests, as well as 3 prior complaint to CFPB ( XXXX, XXXX ) in regards to the continued violation of my consumer rights concerning Equifax and their reporting of my personal information. Equifax continues to illegally report unverified items lon my credit report in violation of Federal Law. Equifax stated in their responses to my 2 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. Equifax has ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. I have also attached evidence that Equifax is indeed not actually verifying any information contained in ther report when all they havedone is parroted information given to you by other third party sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 15 U.S.C 1681 ( a ). Equifax 's failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Problem getting my free annual report

I could n't get past the page that required me to present with accurate answers to questions regarding transaction information on my ssn in the last 4 years that I was populating accurate information for but ended up getting blocked out from retrieving the credit report on freecredit reporting website. I was trying to retrieve information from all XXXX credit reporting sites but equifax popped up questions that eventually blocked me out. I then tried retrieving specifically credit report from XXXX but that returned a message indicating my free credit report for the year was already retrieved from them. I have n't done this. Can you look into both - I want a credit report from all XXXX firms. Also if its any help, I am already a victim of aggravated fraud, hate crime, trade secret misappropriation and copyright infringements. Please help.
Complaint sub-issue: Information belongs to someone else

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

in accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX keeps refuses to remove a debt of $ XXXX from my report after i have filed multiple disputes atating that this was due to identity theft. I have never had XXXX XXXX XXXX as a phone company.
Complaint sub-issue: Problem with product or service terms changing

Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.
Complaint sub-issue: Their investigation did not fix an error on your report

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Complaint sub-issue: Frequent or repeated calls

They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Complaint sub-issue: Information belongs to someone else

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Complaint sub-issue: Reinserted previously deleted info

Equifax inserted previously deleted information from XXXX.
Complaint sub-issue: Company closed your account

the bank recently close my account for no reason and they refuse to return my money. 
i called them several times but they not give me any response
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Complaint sub-issue: Reporting company used your report improperly

1 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXXXXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX. 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, Equifax and XXXX.
Complaint sub-issue: Report provided to employer without your written authorization

I do not have any association with this creditor. This was not approved and or authorized. 

XXXX XXXX Inquired on : XX/XX/XXXX Comment : Real Estate on behalf of XXXX XXXX  XXXX . This inquiry is scheduled to continue on record until XX/XX/XXXX.
Complaint sub-issue: Attempted to collect wrong amount

Bay area credit reported a XXXX debt on behalf of XXXX XXXX XXXX  they never sent me any notices written nor by phone. I attempted to request details and validation of debt and they fail to provide details send bill with total but no details.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  THE FOLLOWING ACCOUNTS ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.
Complaint sub-issue: Banking errors

I have a BB & T Money Account and utilize this account to pay my bills. This account does not go into overdrafts and you are unable to utilize funds that are not in the account. On XX/XX/2018, I check my account balance and I had a balance of {$200.00} plus change. I utilized my card to make a XXXXXXXX XXXX   purchase for {$19.00} on that day which posted on XX/XX/2018. I additionally performed another transaction for {$180.00} by visiting a BB & T banking center location and making an ATM withdrawal. On Thursday, XX/XX/2018, I checked my account and there was an overdrawn balance of {$190.00} and some change. How is that possible when there are no overdraft fees or the possibility of overdrawing on this type of account so how am I able to utilize funds that are not there. With this card, you can't even purchase gas at gas pump to avoid overdrawn balances. I reviewed my account and there were no unknown credits or deposits credited to my account. I reached out to the BB & T and inquired as to why I was overdrawn. They basically repeated my account activity but could not answer as to how I would be over to overdraw this account if the funds were not there. As I previously explained, I had an available balance of {$200.00} when I checked my account. BB & T couldn't answer as to why and submitted a problem resolution ticket. Every time I reach out to them for the resolution of this matter, I am only told that it is in review and they do not have an answer as of yet. Due to this bank error, I have experienced financial hardship and I feel as if they are not addressing my concerns because when my employer 's direct deposit credited my account on XX/XX/2018, it was {$190.00} preventing me from paying my entire rent which would have been possible if my account was not overdrawn when it credited my account. This is unjust and completely some type of error by BB & T which they are unethically failing to accept as their fault. This situation occurred soon after the big national news of their system failure that affected me as well. When that incident occurred, I didn't receive my payroll direct deposit for 2 days after the scheduled date.
Complaint sub-issue: Didn't receive notice of right to dispute

I.C. Systems has damaged my credit and defamed my credit by doing the following : 1. Did not send me communication, informing me of my rights to dispute this alleged debt within 30 days.

2. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor.

3. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
Complaint sub-issue: Old information reappears or never goes away

I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Complaint sub-issue: Confusing or misleading advertising about the credit card

In  XXXX  of  2017  when i reviewed my credit report, I noticed my Best Buy credit card balance was over the limited. When i called Best Buy/CBNA credit card to inquire the reason for the over the limit credit card balance the customer service representative,  XXXX , informed me a promotional offer expired and the interest was added to the card. I explained to  XXXX , i was not given notice about any promotion expiring and never received any mail regarding this information.  The CBNA representative was not helpful and refused to give me any information about the promotion.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account numbers XXXX, 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 an account without my written consent.
Complaint sub-issue: Fee problem

Starting on XX/XX/2019 I began accumulating mass amounts of overdraft fees and it was all due to my mobile app and online banking not reflecting appropriate balance info when I was logging in to check prior to purchases. Now after the initial overdraft fee I continued to be assessed fees until XX/XX/2019 and in total had 5 overdraft fees. 2 of these fees I was aware of prior to withdrawing money however the others were done wrongfully. I feel lied to because of the online information being wrong. This is the 2nd time I've had an issue with pnc bank over charging me on overdraft fees and all due to how the mobile app and online banking process things. Of course the PNC employees did nothing. I love having PNC as my bank because when I do need to use the overdraft coverage it does help which is why I was expecting the two overdraft fees from cash withdrawals. However because of this huge amount of overdraft fees I'm missing money for bills which upsets me greatly. It isn't fun feeling like you cant always trust your financial institution. I want to be refunded 3 of the overdraft fees due to the way the mobile and online systems have processed things.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any verification on how you received the alleged accounts attached in Exhibit C. And therefore request that you consider this final notice to your offices. Past this point the FTC & CFPB authenticated my sworn testimony on my end. Which I will definitely present to The Courts if need be as evidence of me trying to get this situation resolved and rectify this subterfuge that you are reporting. 
I have not received confirmation nor a Testimony that your offices complied with the FCRA and its mandated rules when it comes to reporting accurately in 15 USC 1681 when it comes to accuracy and fairness when reporting. In which I did not validate nor give my consent for any of your companies to share my personal information to any bureaus or third party companies which are also violations. USC 6802 ( a ) & b & 15 USC 1692 ( d ) therefore you are to present me with a certificate testimony and copy that the alleged accounts in Exhibit C are Valid and not subterfuge. 
XXXX XXXX COPIED FROM AFFIDAVIT ATTACHED ) *******
Complaint sub-issue: Information is missing that should be on the report

XXXX   XXXX   XXXX   CFPB :  XXXX  Report  XXXX , dated   XXXX   XXXX   XXXX  , fails to list my full-time employment,   XXXX   with the   XXXX   XXXX   XXXX    XXXX   Regional Office , since  XXXX , with the   XXXX   XXXX   XXXX  , my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my government employments added. I want true copies of the  Source  Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement  ( NMS ) an d the Independent Foreclosure  Review ( IFR ) becau se  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging me LIBOR, forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Complaint sub-issue: Debt was paid

Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.
Complaint sub-issue: Not given enough info to verify debt

My sister received a phone call today saying I was going to be served with papers. I have not received anything in the mail, or any phone calls. She asked if she could sign, and was told no ... but that someone would be to the house in XXXX hours. I tired to call, and it went straight to voice mail.
Complaint sub-issue: Other problem getting your report or credit score

Have reported numerous times identity theft. Last identity theft report was closed after phone was hacked. I have had current equifax account for about 2 years. Suddenly equifax will not let me log into my account without contacting a call center in XXXX and getting a password sent to my email from them. They sent me an email saying the issue was fixed. It is not fixed and Im tired of fighting with these people over my own social security number. This is a violation of fcra and my rights to lock me out of my own credit report. The person stealing my ssn is constantly doing this to save their own behind. Im tired of it and nothing is ever done. This has been going on since around XX/XX/2022 2022
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 has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.