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

I have disputed the same XXXX XXXX account with Equifax multiple times as this account has been closed for over 4 years and they are illegally reporting it as open. I filed a complaint with the CFPB in XX/XX/2021 ( XXXX ) again about this account as it had sat in dispute status for over 2 years with no resolution. Equifax stated they would request information from the furnishing company to resolve the dispute and the CFPB closed the case. It has been over 7 months now and this account is still being reported by Equifax as open and being disputed. Equifax continues to violate Section 313b of the FACT Act and by law are to delete this account or face financial fines and penalties for their failure to provide accurate and current information and to resolve this issue within 45 days. Both the XXXX  and the CFPB continue to let this company get by with merely stating they will check with their data supplier and are not holding this company accountable for their failure to follow the law. This can not be attributed to any COVID issues either as it has been in dispute for almost 3 years. The XXXX XXXX account needs to be deleted now or I am requesting this company be held liable for their violation to the full extent of the law and all accompanying fines and penalties for their willful neglect to follow it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXX XXXX Inquiry date XX/XX/XXXX *Equifax XXXX XXXX XXXX date XX/XX/XXXX *Equifax XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  / Inquiry date XX/XX/XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX Report XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Report XXXX XXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX *Equifax Mortgage Ser / Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ACCIUNT # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX ACCOUNT # XXXX   Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX  This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
Complaint sub-issue: Reporting company used your report improperly

My PII was stolen and lost due to monumental incompetence and negligence by Equifax. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now XXXX is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
Complaint sub-issue: Information belongs to someone else

XXXX  did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX XXXX XXXX  department at XXXX XXXX XXXX XXXX XXXX those XXXX accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings XXXX XXXX XXXX and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a XXXX checking account in XXXX XXXX using the promotion code XXXX. This code promised that if I used the debit card for {$1000.00} of purchases as well as set up a bill payment for XXXX consecutive months, I would receive XXXX XXXX XXXX XXXX miles. After the account was opened with {$52000.00}, I telephoned XXXX to make sure all was in order and give them my frequent flyer number. They assured me all was in order but in order to record the frequent flyer number I should call XXXX, the XXXX direct line which I did. The person on that call also assured me all was in order and took my frequent flyer number. 

Once I had executed the requirements and the appropriate period ( plus ) had passed I called to find out why the miles had not been posted and received an encrypted email on XXXX XXXX, XXXX saying I would not receive the miles because it was a 'targeted ' offer. I honestly do not remember where I got the code, but I have to assume it was a mailing from Citibank - where else would I get it? But at no time - when I applied to open the account or either time I called to make sure I was correct about the terms and provided my frequent flyer number - was I informed that Citibank had a problem with my eligibility. In fact quite the opposite. 

I have left the money in the account and recently read about the CFPB assisting in just such a matter as this.
Complaint sub-issue: Problem getting your free annual credit report

I tried to pull all of credit reports on XXXX and I was not able to pull my XXXX  report or my equifax report. 
XXXX  didn't even ask me security questions, i received this message : A condition exists that prevents XXXX  from being able to accept your request at this time. 

Equifax did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.
Complaint sub-issue: Attempted to collect wrong amount

I called Jefferson Capital regarding a collection on my credit report. The only option was for me to call another collection agency. I called the other number and spoke to a lady. I asked her about the debt. I wanted proof and verification that this is in fact my debt. She asked me to verify my info and email. She told me that she would send me the info via email. Then she ask me if I could make an arrangement to pay for the debt. The debt is {$9900.00}. She was willing to settle it for $ XXXX and in 30 days remove it from my credit BUT she would need to contact Jefferson Capital to verify if they would allow the settlement. I said ok. She said she would call me back. I NEVER heard from her again. This was on XX/XX/XXXX. I called back the next day and it went to a man 's voicemail. So I called with my sons phone and spoke to another lady. She stated I should definitely hear back from the company on Monday XX/XX/XXXX. I have yet to receive any email nor any call. This is affecting my credit score and it really is unfair that a company is reporting on my report yet allowing a different company to collect the debt. As a consumer I feel afraid I will get scammed out of my money in this instance because I can't be certain that they will keep their word. Especially from this experience so far.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Mendelson Law Firm has threatened to take legal action against me by filing a lawsuit for a debt I " allegedly '' owe a credit card debt. I have asked them to provide LEGAL and VALID proof of the debt. They have NOT provided me with proof that this debt belongs to me. In response to the first validation request, they presented a " Bill of Sale. " The printing of a Bill of Sale does not support adequate documentation or validation. I then requested actual and adequate validation of the debt. I have the legal right to request Validation under Fair Debt Collection Practices Act. They have NOT responded to my request with adequate proof. Not only have they failed to validate, but they have also continued to report this information WITHOUT proof to the Credit Reporting Agencies. Thit is not only Defamation of Character, but a clear VIOLATION of the FDPA, as well as the FDCPA. They have not provided me with any contract between their company and myself. They also have not provided me with a contract between me and the " creditor '' XXXX XXXX XXXX. Seeking payment from me, and requesting that I attend court for a debt that they " claim '' I owe is absurd.
Complaint sub-issue: Personal information incorrect

I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS XXXX. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED
Complaint sub-issue: Information belongs to someone else

Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.
Complaint sub-issue: Was not notified of investigation status or results

There are 3 unverifiable collection accounts on my credit report that Equifax is reporting. I sent a certified letter on XX/XX/22. I have not received a response nor have they notated the accounts as being in investigation. There is no creditor, collection agency listed on any of these alleged accounts to contact for a validation. 

Ive included the letter I sent Equifax as well as the credit report showing all three accounts.
Complaint sub-issue: Information belongs to someone else

two account XXXX  and a XXXX XXXX accounts are reporting under my name, which do not belong to me, these are inaccurate information reporting under my name, i have made a complaint any times with the XXXX  and equifax. 
please help me to have these stressful situation ends. i have also filed a FTC report and sent to bock agencies many times. 
XXXX is reporting discover and a wells fargo account and equifax is reporting a bankruptcy that i had never filed. 
please help me in this situation. 
thank you
Complaint sub-issue: Problem with statement of dispute

Re : Equifax. While they raised my credit report to XXXX, I disputed information. One dispute remained on my credit report and one was corrected to a " zero '' balance ; however, they changed my " grade '' on " type of credit '' from A to B and then lowered my credit report. The information should have raised my credit score not lowered. It is a systematic way of keeping your credit score lowered even though it does not warrant it.
Complaint sub-issue: Public record information inaccurate

I have been battling with Equifax for months to remove inaccurate information from my report, I sent in my FTC identity theft report, supporting documentation, and consumer statement as required to block said information, which was not blocked in error, and since at least XXXX of 2021 Equifax still continues to report and is violating my consumer rights. Please see attached text for further explanation.
Complaint sub-issue: Other problem

I have had my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.
Complaint sub-issue: Attempted to collect wrong amount

Hello I am writing to complain about the way my student loan debt has been handled. In or about 2010 I had about {$100000.00} of student loan debt because of finishing XXXX XXXX or I obtain my XXXX XXXX. I moved out of the country and because of my financial situation let y student loans lapSe for a short period of time and during this time whoever was in charge of these loans double the amount that I owed from XXXX to XXXX roughly these figures are not exactly precise but in the right neighborhood. So I contacted the lenders the federal financial loan people XXXX XXXX and asked repeatedly for them to investigate why this happened. There was never any satisfactory answer as to why this happened or a resolution of the problem. Each year even though I have since handled my loan situation by signing onto the new income-based repayment plan there has still been about {$10000.00} added and it each year because of interest even though Im not required to pay until I find a job. I have repeatedly requested from the XXXX XXXX XXXX XXXX XXXX that they investigate this and reduce the figure that I owe them to what it really should be and either receive no response or a response that says we can do nothing about about the unfairness of adding so much extra money to my balance when in reality it really ought to be down around {$100000.00} figure which is where I borrowed in the first place to graduate from college
Complaint sub-issue: Account status incorrect

XXXX ACT # XXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
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 {$0.00}, {$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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX 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 status incorrect

On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Chapter XXXX Bankruptcy Reference # : XXXX
Complaint sub-issue: Account information incorrect

I continue to be greatly disappointed when it comes to Equifax reporting errors, I pulled my Equifax file today after noticing a 27 point drop in my credit score as I reviewed my report I noticed Equifax is reporting several accounts showing no credit limit and a high credit much higher then I have used it appears they are reporting my credit limit in the high credit field and reporting nothing in the credit limit field as a result my unlizatuin and score are stuffing greatly Im in the mortgage approval process and this is causing me great PAIN, the accounts with this reporting error are listed below 1 ) XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX 2 ) XXXX XXXX XXXX account 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account XXXX 5 ) XXXX XXXX XXXX account XXXX 6 ) XXXX XXXX XXXX XXXX account # XXXX This is a total of 6 accounts being reported in error the credit limits and high credit needs to be fixed ASAP I will no longer continue to do this my attorney will be the next and final step
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Discover Card started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is XXXX XXXX firm phone is XXXX located in XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This a violation of 15 USC 1681 ( a ) ( XXXX XXXX right to privacy XXXX  Please correct/update this inaccurate information on my credit report. 

XXXX. This a violation of 15 USC 1681 ( a ) ( XXXX ) right to privacy XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.