Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I would like to file a complaint against this credit bureau for violating my rights under the Fair Credit Reporting Act and for committing an illegal act and thus a violation of the Fair Credit Reporting Act. This credit bureau has re-aged an old account that has been reported on my credit report inaccurately. The name of the account that is been re- aged is XXXX  XXXX XXXX account number XXXX. I called and spoke with an Equifax representative in the dispute department who told me that the XXXX XXXX XXXX account was scheduled to drop off my credit report in XXXX of XXXX and that in the system the account was showing as been 1 year, 3 months and 14 days old. This is despite on an old credit report it is showing that the account was opened in XXXX of XXXX. 
Re- aging of any item on a credit report is ILLEGAL AND VIOLATES THE FAIR CREDIT REPORTING ACT. I am therefore asking this credit bureau XXXX XXXX XXXX XXXX XXXX  from my credit report immediately due to this violation and illegal act. A failure to delete this account from my credit report will see me taking legal action and suing this credit bureau so as to recover damages. This complaint will be used in a court of law should the needs warrant it. 
I have enclosed copies of my credit report showing where the XXXX XXXX XXXX account has been re -aged. Kindly see files attached. Kindly delete XXXX XXXX XXXX from my account immediately or face legal action for re-aging of an account and reporting false information on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a are inquiry that I didnt consent to and its only in my equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the following companies 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I Have been a victim of Identity Theft for a few years now. ( Collection Agency XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Threatened to take legal action

Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent several letters to Equifax disputing the account from XXXX card and i also submitted a dispute troughs the CFPB but in the answer they said is : that the company verified the that information is true and correct, which i know for a fact that the information is not correct because they did nothing besides updated the payment history reporting the charge-off over and over again after the account has been closed and then reporting on time payments once again and also the date of last activity still does not match with XXXX or XXXX date of last activity This account is a complete violation of the FAIR CREDIT REPORTING ACT Remove this account from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although XXXX has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the 3 major credit bureaus and it was removed from XXXX  and XXXX but not Equifax. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to XXXX to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing XXXX can do. When I also reached out to XXXX via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked XXXX since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from XXXX. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and XXXX. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against XXXX and the provider, I want this collection removed ... immediately.
Complaint sub-issue: Trouble with how payments are being handled

As a typical XXXX grad of the modern century, i have XXXX loans taken out for my entire college career. one from the Dept of education, one from discover, and the last with Sallie Mae. Also, typical to college grads, i elected NOT to consolidate my loans because i have intentions of going back to school to pursue my medical license and begin practicing Veterinary Medicine. The issue that im having however is balancing paying my three student loans because SALLIE MAE has been taking money directly out of my bank account ( NOT PAYCHECK ) for the sum of $ XXXX. This is an issue because i never authorized automatic payments to be made. So today, when i went to make a payment to my XXXX student loans, i found out that my bank account is now on their prohibited list because of Sallie mae constantly taking money out, leaving my bank account in the NEGATIVE therefore leaving discover without a payment! SO now because of this unauthorized deduction, my discover loan is in the process of defaulting, because of that, i may not be eligible to apply to XXXX XXXX. Sallie mae is literally destroying my life and is making me regret my entire decision of attending college. After SEVERAL attempts to talk about this topic, im becoming more and more upset. once a Sallie Mae rep hears me begin to discuss my concern, they put me on hold and they never have someone answer me. i currently work in a XXXX XXXX XXXX doing 12 hours shifts, so my time is EXTREMELY valuable ... sallie mae has driven my ability to manage my finances into the ground.
Complaint sub-issue: Card opened as result of identity theft or fraud

A CREDIT CARD WAS OPENED FRAUDULENTLY UNDER MY NAME WITH DISCOVER. AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT CREDIT CARD I CONTACTED DISCOVER AND I ASKED THEM TO CLOSE THE CARD, AT THAT TIME I GAVE THEM MY CORRECT MAILING ADDRESS, EMAIL AND A PHONE NUMBER. DISCOVER NEVER UPDATED ANY OF THE INFORMATION I GAVE THEM. THEY APPARENTLY MAILED A FINAL BILL TO THE ADDRESS THAT DOES NOT BELONG TO ME. I HAVE NOT RECEIVED ANYTHING FROM DISCOVER AT MY CORRECT ADDRESS THERE IS NOW 4 MONTHS NEGATIVE REPORTING ON MY CREDIT PROFILE FROM DISCOVER. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE ALSO REPORTED THIS TO THE LOCAL POLICE STATION AND TO FAIR TRADE COMMISSION, AND TO THE CREDIT REPORTING BUREAUS.
Complaint sub-issue: Reporting company used your report improperly

Equifax just announced that in XXXX their data was hacked and the information of millions of Americans including myself had their information stolen. Their executives sold stock shortly after finding out, and only yesterday was it even announced that this happened. I was affected by this, but to find out if I was affected, Equifax tried to get me to waive the right to a lawsuit. I never chose to have my information known by Equifax, along with millions of others, and yet their data was never properly encrypted, they did n't release this information until months later, after they profited off of the company, and now I 'm expected to trust them to protect my information going forward. Once the information was released, a fraudulent charge showed up on my credit card that I had to flag with my credit card company, and I had to proceed to freeze my credit due to their irreversible negligence.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi Bank has a program called XXXX rewind where if within 90 days you find the same item at a cheaper price they refund you the difference. On XX/XX/XXXX I bought a leather recliner at my local XXXX for XXXX plus tax and went back on XX/XX/XXXX and purchased another. About 2 weeks later the items were decreased in price to XXXX and thats when I began the rewind process to be refunded the items. I sent what they required which was the receipt, the statement with items on it and sent a photo of the item on sale at the store, per information received from XXXX customer service agent. They can pull the recorded call from that day to confirm. The 1st submission from XX/XX/XXXX was approved and refunded but the second they said that the photo taken is unacceptable. So why was the first approved? Is it the customer mistake that he was give incorrect instructions on how to proceed with opening this claim? This has been going on for 6 weeks now and I am tired on getting the run around about the matter. As a loyal XXXX customer I would think there would be more consideration especially because we were told to to it this way, and now, 6 weeks later they say they need other proof, how!!????? If the product is no longer available????? I strongly request the call be pulled and listened to confirming what I am saying. XXXX  as a reputable company as XXXX is I would expect a refund as we requested and no more excuses of what the customer did wrong since I was instructed to provide a Photo of the product! Thank you for your attention to our respectful request.
Complaint sub-issue: Information belongs to someone else

Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Complaint sub-issue: Account status

XXXX allowed a 3rd party to charge to my account!! it was for jewelry that I did not receive.I was in hospital when this was shipped to my former address in XXXX ... I came directly to XXXX. from hospital..they finally took charges off, but still report me as missed 3 payments..now they send me statements saying I have a XXXX credit coming LOL
Complaint sub-issue: Debt is not mine

The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.
Complaint sub-issue: Information belongs to someone else

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Information belongs to someone else

please remove my fraud alert XXXX doesnt even have it correctly its costing me loans do not I I repeat do not put it one
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the Equifax data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.
Complaint sub-issue: Account information incorrect

I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.
Complaint sub-issue: Information belongs to someone else

Parties Involved : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, IL XXXX Account Number : provided when requested Date open : XX/XX/XXXX Balance : XXXX Despite several written requests to Equifax, XXXX and XXXX XXXX XXXX, the unverified item listed above remain on my credit report in violation of Federal Law. 
XXXX XXXX XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I have contacted XXXX XXXX XXXX multiple times and was inform that my information DID NOT match what they had. Yet my social is tied to an account which I never retain services from and the debt was sold to a debt buyer so they are no longer responsible.I was informed they no longer have the account in dispute YET they still keep reporting as accurate to CRA 's even when requested documentation of validation was sent to them ... .. I receive no response As stated I wrote Equifax and XXXX of their method of verification and I received no response. 

Pleased help me!!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were not authorized by me nor was I ever doing business or trying to do business with the following they are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Their investigation did not fix an error on your report

1 ) I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stated that they agreed the address is fraudulent and had removed it. I now see ( XX/XX/XXXX ), they have put that same address back on my credit report 3 years later as a former address. This is a broken system and it seems unreasonable that I now need to take several months again to fight the same battle. 

2 ) In addition, I initiated a fraud alert which is supposed to make it difficult for someone to attempt to open credit in my name. The other credit reporting agencies seem to be honoring this and I had to take additional steps ( as I should ) when I recently took out a car loan to prove my identity. Yet somehow, Equifax allowed XXXX XXXX XXXX to do a hard inquiry on my credit without my social security number ( which I know to be the case because I am now signed up for a credit monitoring service that lets me know if someone tried to open an account with my soc sec # ).
Complaint sub-issue: Was not notified of investigation status or results

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.
Complaint sub-issue: Account status incorrect

I am no longer disputing XXXX XXXX and XXXX.
Complaint sub-issue: Other problem

My husband and I have had our Best Buy card for 10 + years and during those 10 + years they have lowered our credit limit to equal the balance we had on the credit card, which made us maxed out on that card. Our scores took a big hit because of that. They have lowered our limit several times over the years for " lack of use, '' and have threatened to close the card if we don't use it within a certain amount of time. 

They offer no incentives to encourage spending. And right now our limit is so low we couldn't buy half the stuff in the store even if we wanted to. They have not lowered our extremely high interest rate ( not even by measly 1 % ), even though we have excellent credit scores and a perfect credit history  with them. They have not raised our credit limit back up even when we were making a conscience effort to use it on a regular basis, just so they wouldn't close it. 

No promotional offers whatsoever. The only thing that they have offered are XXXX dollar off next purchase, because of what we spent on our previous purchase. I know they are not the only store card company that stoop these tactics and it is very sad. The only reason I keep them is, it will hurt our credit if they close the account, because we loose that credit history. 

I'm to the point that I just might let them close it so I can be done with them once and for all. Yes, our credit will take a hit, but it won't take long for us to bounce back. They will definitely need us before we need them ever again. In fact, I will never apply for another store card period. They are the worst and they do more harm to your credit than good.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There has been several FCRA violations and still will not removed it. 

On XX/XX/XXXX and XX/XX/XXXX I sent letters and supporting documentations certified mail in regards to a disputed item. 

Items disputed : US BANKRUPTCY COURT-XXXX  XX/XX/XXXX and US BANKRUPTCY COURT XX/XX/XXXX Equifax continues to respond as verified but they never verified it. I sent letters twice of method of verification as well as the courts do not provide information with the full social number unless the person or company file a motion plus do not verify information with third party and credit bureaus so they basically did not verify to see if this similar name is mines. 

Plus, said was verified by XXXX XXXX who i contacted by mail and told asked for the same thing and sent same supporting documentations. 

XXXX XXXX respond by mail stating they removed it and stated by mail do not have disputed item any longer. 

At this point it has been more than past 30 days and still no change and deletion from equifax.