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

EQUIFAX I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. EQUIFAX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EQUIFAX which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As EQUIFAX would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EQUIFAX has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EQUIFAX has caused me. I have had enough of the abuse and unfair practices from EQUIFAX. Pursuant of 15 USC 1681b ( 2 ), I did not give EQUIFAX any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Complaint sub-issue: Account status incorrect

Hard Inquires that I didn't make on my credit, please see company below that I did not contact! 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Having all these inquires is making my score go way down and I never contacted these companies above. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Equifax told me that a hard inquiry on my credit report by XXXX XXXX will be removed from my account when XXXX XXXX informs Equifax that the entry is fraudulent. 
On XX/XX/2020, XXXX XXXX 's Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Equifax in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. After 90 days passed, on XX/XX/2020, I followed up with Equifax again, and spoke with Customer Service Representative Clark and Equifax Fraud Department Representative XXXX. XXXX said Equifax would have taken action if XXXX XXXX sent information to Equifax that the entry is fraudulent. XXXX confirmed the hard inquiry still shows on my credit report, which XXXX said means XXXX XXXX never sent the information to Equifax. I again called XXXX XXXX, and XXXX XXXX again reiterated that they sent the information to all three credit bureaus as stated in XXXX. Equifax and XXXX XXXX agree that XXXX XXXX is a well-established company that knows how to properly send information. Yet Equifax insists that XXXX XXXX somehow failed to send the information, while XXXX XXXX insists they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Equifax did not. XXXX XXXX said they send information to all three credit bureaus the same way at the same time, so XXXX  's action proves the info was indeed sent. I called Equifax back on the same day to communicate what XXXX XXXX again confirmed, but Equifax continued to deny that they ever received such information. 
Attached with this complaint is the letter from XXXX XXXX from XX/XX/2020, and a screenshot from the Equifax website showing the hard inquiry is still there.
Complaint sub-issue: Old information reappears or never goes away

XXXX has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.
Complaint sub-issue: No notice of investigation status/result

So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, Equifax and XXXX are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my XXXX how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been XXXX XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from XXXX and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both Equifax and XXXX response. Especially XXXX, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''
Complaint sub-issue: Information belongs to someone else

ACCOUNTS LISTED ON MY CREDIT REPORT THAT I NEVER SIGN FOR OR USED
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted to fix my credit reporting regarding my student loan with Equifax Credit Reporting XXXX  times and the information is still not corrected. They continue to show my student loan with an original balance of {$37000.00} with a negative credit limit of {$21000.00}. This is incorrect information. I have XXXX consolidated loans ( XXXX ) {$36.00}, XXXX and ( XXXX ) {$21000.00} with a total balance of {$57000.00}. My student loan was in forbearance for much of the COVID19 pandemic and my student loan is in good standing. Equifax continues to show the credit as poor and that I owe a high negative balance. I am tried to use the dispute on Equifax XXXX times and they have failed to correct the information. I seek assistance from CFPB to help with this issue and to hold the credit reporting agency to make the corrections so that information is being reported accurately.
Complaint sub-issue: Debt is not yours

AMERICOLLECT , INC . I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Complaint sub-issue: Problem with personal statement of dispute

The following company has violated my rights in accordance with FCRA and has failed to do a proper investigation of this debt. This company continues to report the inaccurate Item called XXXX XXXX XXXX. Upon researching my credit report I noticed a number of Inaccuracy and inconsistencies. For example... 

Example 1 ) Payment status being reported to XXXX as collection/charge off and being reported to equifax as 120 days late. 

Example 2 ) last report date shows XX/XX/XXXX for XXXX and for equifax shows XX/XX/XXXX. 

example 3 ) date last active is also incorrect showing XX/XX/XXXX for XXXX and XX/XX/XXXX for equifax. 

Example 4 ) date of last payment not showing on XXXX but shows XX/XX/XXXX for equifax. 

Example 5 ) the two year payment history has some inconsistencies as show XXXX debt is charged off but is being reported to equifax as ok. 

Example 6 ) How come XXXX report this account as closed but you are still report this as an open account and if an account is closed how can it be in collections still. 

15 U.S.C 1681e section B States whenever a consumer reporting agency prepares a consumer report it shall follow maximum possible accuracy of information concerning the information concerning the individual about whom the report relates. As you can see there are so many inaccuracies and being reported causing detrimental harm to my character. 

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 states a consumer reporting agency can not furnish a account without my written instruction. I did not give consent for you to report this.
Complaint sub-issue: Trouble using the card to spend money in a store or online

You recently sent me a letter and a check to reimburse me for fees that JPAY charged illegally for my preload JPAY card issued in 2012 by the State of Michigan XXXX. 
One question is " Why doesn't XXXX have to pay interest on this money? ", after all they had it illegally for 0ver 10 years. If this had been money that I obtained illegally from anyone, I would have had to pay all kinds of interest and penalties. 
Question # 2 is : I was never able to use the money on this card because they said I didn't have the proper PIN #. When I created the PIN # I wrote it on the card so I would have it, I know this is not advisable, but if I lost the card, I wouldn't be able to get the money anyway. 
My question is, " Can I still get this money back? '' I think I clicked NO when asked if I had contacted them about the problem, the fact is I did ( at least 3 times ). I called their phone number on the back of the card and was informed each time that without the proper PIN # there was nothing I could do. I had the proper PIN #, they just didn't seem to have it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX, Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : 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
Complaint sub-issue: Application denied

I previously applied ( online ) for a consumer credit transaction at Carmax on XX/XX/2022 and my application was denied. 

I sent a certified letter to Lawyers explaining they violated my consumer rights which was received XX/XX/2022 The Company did not provide an official response. 

I sent an Adverse Action Letter to the lawyers certified letter received XX/XX/2022 explaining they were violating consumer law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

Carmax is criminally liable for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Carmax due to the response I received. 

Carmax is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 10002 because I, the consumer, made an application in good faith, but credit was not issued.

The company provided no official response I sent an email XX/XX/2022 explaining the adverse action company did not respond I was unable to speak with their consumer relations team directly they only accepted emails and letters
Complaint sub-issue: Was not notified of investigation status or results

Freedom mortgage account was surrendered in bankruptcy Freedom mortgage pulled my credit report after bankruptcy My bankruptcy was discharge and the final account put them being paid. They show my account current on credit report but not 0 liability and also showing that I have a monthly payment I put in dispute with all credit bureaus I also informed freedom morgage I surrendered the property And did not reaffirm debt but every month they are reporting me owing XXXX more on loan now to XXXX due to fees I went into bankruptcy with a balnce of XXXX The trustee had payed loan for one year he did not pay freedom mortgage after I surrendered property but on final accounting it says he paid them over XXXX in principal. The bankruptcy is now discharcharged and the case is closed but freedom is still reporting I owe balance and payment.
Complaint sub-issue: Debt was result of identity theft

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 

Federal Trade Commission Number XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I called and spoke to a rep concerning my student loan payment that was taken out XX/XX/XXXX. I had explained to the rep that the CARES Act had passed and that no interest should be taken out of my payment from XX/XX/XXXX, through XX/XX/XXXX. She agreed and explained that they were backed up and to give things a few weeks to refresh and update to my records. 

It wasn't until XX/XX/XXXX I decided to log in to my account since my conversation last spring. There was no change to my payment history. I still had my {$400.00} ( {$340.00} principal {$52.00} interest ) payment reflected. The rep advised her was putting in an inquiry for research and someone would respond within 3-5 business days by mail. 

This evening, XX/XX/XXXX I reached out again. I was advised that the CARES Act went into effect XX/XX/XXXX and that inquiry that took place last month denied my request for refund. I never requested a refund. I requested if the payment was to be taken out to please move the interest incurred into the principal.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted disputes on my credit report with XXXX, Equifax and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
Complaint sub-issue: Information belongs to someone else

please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/nelnet  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  is only company reporting this error
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account information incorrect

The last day of service with XXXX XXXX, XXXX, and XXXX ( XXXX ) was XX/XX/2021. I gave them a forwarding address and I received a final bill at the new address in which I paid immediately. The next time I heard about them was about XX/XX/XXXX or XXXX from a collection agency. I denied owing the debt and asked them to investigate. In the meantime I logged into my account and saw that the meter was read again on XX/XX/XXXX and another bill was there. This bill was never sent to me or I would have paid it immediately. I paid the bill then and there online. On XX/XX/XXXX I received an alert from Equifax that XXXX had placed a collection on my credit. Again, this was a bill I NEVER even received. On this same day, I received a forwarded collection notice from the collection agency ( a different company ) with a misspelled last name ( XXXX ). XXXX had my new address. I don't understand the misinformation. However, even if they would have sent to the bill to the old address the forwarding was intact. I NEVER received a bill. I called the collection agency back and they stated that they did not place the collection. They had received the collection notice from XXXX on XX/XX/2021 and according to Equifax that was the exact same day they reported the collection to them. I never had a chance to get the bill and pay it. Due to this my credit score dropped a WHOPPING 30 points in the middle of trying to buy a home. I moved from my old home and am having a new one built. I pay close attention to my credit and my bills. In the 9 years that I was at the old house I never had my lights cut off or any issues paying the bill. I feel defeated and treated unfairly. Not only was I not able to speak to XXXX they also updated the account to say " Paid Collection ''. How is it a collection if I was never notified and allowed to pay the bill??