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

I had an account with furniture row and was having monthly payments taken out of my account. The decide to go with another bank and closed my account without notification because the chose a different credit card company to go with. I notified the credit bureaus because it causes my credit score to drop. I am having major problems with Equifax I called them because my score has dropped like 50 points in the past month. I have no new loans or credit cards and no new delinquent accounts Shows nothing has changed but my credit score keeps dropping. I am concerned there is a breach or something happening on my report. My transition had dropped some but not like Equifax. I contacted them and they couldn't give me an.explanation I have a fraud alert already on my accounts. I have done nothing for my credit score to drop that much and I need an explanation. I have seen.my credit report and I can't find anything different besides furniture row doing what they did. That account has always been in good standing and they close that account on.me and it's affecting my credit report and it isn't my fault. Please look into Equifax. Something is going on. I have read online that other people 's scores have been dropping like that too for no reason and the main problem.was Equifax. I am.very concerned. I also have a XXXX XXXX  in collections for {$620.00} and I no recollection of this account. I have disputed it and it is fraud and they say it's accurate and it's not my debt. It's fraud.
Complaint sub-issue: Report improperly shared by CRC

" Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled
Complaint sub-issue: Their investigation did not fix an error on your report

The company which has still reporting the unauthorized inquiry in my credit report is Equifax.      XXXX   XXXX   XXXX  made the inquiry on  XXXX   XXXX ,   XXXX   by mistake and without my authorization. When I contacted  XXXX   XXXX   XXXX , they apologized and said file a dispute and when Equifax investigate it they will call us, we will tell them it was unauthorized and they will delete it.     Things did n't go that way, I filled the first dispute with Equifax Confirmation #  XXXX  on  XXXX   XXXX ,   XXXX   and Equifax came back to me with a letter stating that the inquiry is true and they wo n't delete it.     I called Equifax and they said first tell  XXXX   XXXX   XXXX  to send us electronically a note to delete the inquiry. I called more than  XXXX  different people in  XXXX  different departments at  XXXX   XXXX   XXXX  and no one said they were aware or know how to send such electronic note of deletion to Equifax, then I got an account  specialist  from  XXXX   XXXX   XXXX  on the line and we called Equifax to understand how to do it, but unfortunately, we found that even the outsourced call center reps in  XXXX  do n't know how to do it either! and they were unable to help or guide us to what to do next, and at the end, they said  ( Equifax ) h as no way to delete inquiries from credit reports!!     This is completely unacceptable, Equifax has no process in place for disputing or correcting such wrong info which impacting me personally. Equifax did not investigate anything, they did n't contact  XXXX   XXXX   XXXX  or me, they did nothing and wait about 30 days  (  as required by law ) and came back to me with a reply that this is true inquiry!     Equifax has a useless outsourced customer care call center overseas who has full access to our confidential info but no authority or knowledge to resolve any issue! they simply read from a paper of what they says.     I really urge or US consumer protection authorities and CFPB to take action and protect us from such companies as Equifax who are busy in selling our confidential and financial info to who pays more with out any fear or responsibility or our business losing, suffering or time wasting.     Today I filled another waste of time dispute with Equifax and spoke with them and they still repeating the same cassette, the  new Dispute  confirmation no.  XXXX .     Please help. and advise of how to convert this issue to a law sue?     Best regards,  XXXX   XXXX
Complaint sub-issue: Problem with fees

I have been charged an " credit life insurance fee '' of various amounts. The website does not even allow me to look at statements further than XX/XX/2018. It says access blocked which is absurd since it is my account. 

Starting from XXXX XXXX, I was charged {$26.00} XXXX XXXX - {$39.00} XXXX XXXX - {$33.00} XXXX XXXX - {$34.00} XXXX XXXX. - {$34.00} XXXX. XXXX - {$33.00}
Complaint sub-issue: Account status

I filed a modification with XXXX bank and I was under the agreement and paying, The mortgage company reported on my credit report that foreclosure proceedings had started which was in correct. I sold my home XXXX XXXX during a normal sale and closing procedure and XXXX took 3 months to send release of Lien and also is still reporting that I was in foreclosure which is keeping me from purchasing a new home, the law states that you have to wait 3 years if a foreclosure took place in order to obtain another FHA loan, I need this updated and also the correct information reported, My modification took 18 months to complete and never was properly handled.
Complaint sub-issue: Account status

I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.
Complaint sub-issue: Old information reappears or never goes away

My Mohela account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my 3 loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to do so, However ; Mohela started reporting 2 additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to Mohela and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; Mohela refuses to remove the 2 Parent Plus loans or the {$16000.00} loan ( s ). 
I have also complained to Mohela re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Complaint sub-issue: Problem with personal statement of dispute

SageStream llc has my credit as XXXX when I just had my credit check through my bank for a loan and all 3 are XXXX. This sage stream is also sharing my info
Complaint sub-issue: Information belongs to someone else

I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and Equifax. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX  Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and Equifax websites
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " One '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

Equifax lists XXXX inquires XXXX list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Complaint sub-issue: Threatened or suggested your credit would be damaged

Noticed un-erified account on my profile
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Other problem getting your report or credit score

Contacted Equifax, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again Equifax and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call Equifax one more time and they required one more time to contact my lenders. The problem is that everytime I contact Equifax they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the Equifax Buisness department??.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, 2013 Balance : {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XX/XX/XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XX/XX/XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Premier Credit of XXXX XXXX placed a levy on my bank account on behalf of the XXXX. On XXXX/XXXX/15 I called the XXXX on the situation and they recalled the levy and sent notification to Premier which should have lifted the levy on my bank account. I called Premier on XXXX/XXXX/15 to confirm they received the notice and they said they had not. I then called the XXXX on the matter and again they confirm they sent the notification. I then called Premier and they again said they had not received the notification. I made a total of XXXX calls to the XXXX and Premier and over and over again the XXXX confirmed this as a result of looking into their data base which the employee used to send the notification. I also made XXXX calls to Premier and leaving my number for the manager XXXX XXXX to call me back. this was about XXXX. I waited till XXXX on his call to help with the mater which I called him at XXXX. Premier has refused to look into the matter to resolve the issue. Make take on that is they are lying about the matter so they can get the levy and receive the fee. Why would the XXXX make such a story up or lie on the matter!
Complaint sub-issue: Account information incorrect

I have disputed items with Equifax frequently - they never respond to my disputes - I found out that they have my address being reported and this address XXXX does not exist - that is why I never get responses to my disputes - they are going into the usps trash or being returned to Equifax and being trashed. my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX - I have written Equifax about this incorrect information but as I said I never receive a response from them.
Complaint sub-issue: Was not notified of investigation status or results

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Account information incorrect

Equifax is not giving my account the correct scoring. Equifax has my fico score under XXXX where as XXXX and XXXX XXXX have my score around XXXX. This is quite a discrepancy. A collection account was removed from my account and Equifax did not give my account points for that removal. I am requesting Equifax bring my score up to the value of XXXX and XXXX XXXX immediately. They are causing undue harm and anguish.
Complaint sub-issue: Frequent or repeated calls

I have already told conns I will make payment by a certain date. They continue to ask for payment. I have been receiving anywhere from 8-15 calls a day. They also email me several times a day to try to collect on the payment. Today I have received 15 calls already and 3 emails stating I need to make arrangements when a date has already been given. I refuse to make post dated payments because they always try to run payment the day Im setting up the arrangement causing me to overdraft and incur fees from my bank. This has been going on for over a month!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the Equifax breach and I believe this was opened at that time this was not opened by me.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX 2019