Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to report inaccurate inquiries on my credit report even after sending them numerous ftc identity theft reports. They claim these inquiries to be accurate but never says how they verified them or show me proof. I have contacted the company of these inquiries and they say they will have them removed but they never do.
Complaint sub-issue: Information belongs to someone else

Debt for XXXX XXXX  XXXX XXXX Credit Card was debt ordered and decreed to ex-husband in divorce decree dated XXXX XXXX in XXXX County, Texas Filed on XX/XX/2016 with XXXX County Clerk XXXX XXXX XXXX at XXXX Cause No. XXXX XXXX XXXX Also stated is a XXXX Credit Card account.
Complaint sub-issue: Reporting company used your report improperly

I am extremely concerned about Equifax 's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a {$10.00} fee to freeze and unfreeze each one of my credit reports. What 's more, these credit bureaus do n't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99 % of the identity theft. Currently, it does n't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay {$20.00} to attempt to access a credit report, it would cut down that activity significantly.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, Self # XXXX, Self # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Equifax is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX OF XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX AF Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

Tried to Make an arrangement to pay {$15.00} a month until debt was paid off
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Complaint sub-issue: Problem making or receiving payments

on XXXX at approximately XXXX XXXX  XXXX XXXX reached out to citi bank at XXXX because I tried to send a XXXX transfer of approximately {$710.00} to my landlord to pay rent for the month of XXXX and i kept getting denied access. I was on the call for 1 hour 10 minutes in which i was transferred to 3 different people. The last person that I spoke with stated that he fixed the issue and that I would now be able to log into mobile banking and send the rent funds. I got off of the phone with him and was still denied to access to send money through my account. I was at work so I did not call the bank back at their toll free number until approximately XXXX XXXX  XXXX in which i was on the phone for 52 minutes while they tried to figure out what was wrong with my account. ( there were like 5 different people working on my account and no one could figure out what was wrong. ) The last guy who i spoke with on the second call finally stated that my account has to be closed and another account has to be reopened. I want to make this formal complaint so that I have something in writing if I have to pursue further action with this bank. I am going into the branch when i have time on Saturday XX/XX/XXXX to withdraw all of my funds and close this account. I mainly want to make sure that the funds that I do have in the account are protected even from the customer service reps until I have a chance to go inside of a branch to close this account out. I am a very dissatisfied customer and will not be recommending this bank to anyone in the future. I will also go on to tell my story in the future to stop others from making the mistake of banking with CITI. This bank wasted lots of my time and came up with the worst solution.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX EMPLOYER : XX/XX/XXXX Inquiry XXXX  Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Systems This medical collection is also showing 3 different account numbers on all three bureaus. 
# XXXX # XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt resulted from identity theft

This collection company appeared on my credit from an account that i believe had to do with ID theft. I filed an FTC report and local police report and it was removed from my credit by another collection company. Seems it has been resold. Please include any signatures of mine you may have authorizing the account.
Complaint sub-issue: Information belongs to someone else

Someone opened up fraudulent accounts in my name : XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX, XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Complaint sub-issue: Problem making or receiving payments

My account at direct express was shut down on XXXX on XX/XX/2022. With no phone call I am on XXXX and i no money was put in to my account. I have called every day for weeks and they will not answer their phone or have they called me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good morning, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Complaint sub-issue: Information belongs to someone else

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

My issue is with  XXXX   XXXX .     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including   XXXX   to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from  XXXX   XXXX  are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.
Complaint sub-issue: Information belongs to someone else

My credit information was compromised via the Equifax data breach a few years ago.
Complaint sub-issue: Can't get flexible payment options

On XXXX/XXXX/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of {$250.00} per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of {$130000.00} from 8 % to .001 % for the remainder of the payment terms. I called the collection company on XXXX/XXXX/16 @ XXXX to accept the terms and set up automatic payments from my checking account. The first payment was to come out on XXXX/XXXX/16 which it did. Then I had another payment come out on XXXX/XXXX/16. However I did not have a payment come out for XXXX/XXXX/16. When I called on XXXX/XXXX/16 to inquire as to why no payment came out, they stated that the account had been recalled by the creditor ( XXXX ) on XXXX/XXXX/16 and then resent to the collector ( Allied Interstate ) on XXXX/XXXX/16. This process caused the original account number to be cancelled and a new account number to be issued. It also caused the automatic payments to be cancelled. I attempted to call the collection company on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, & XXXX/XXXX/16 to try to resolve this matter and have the collector reinstate the original payment agreement. On all of the above dates I asked for a member of management to assist with this issue. I talked to XXXX XXXX & XXXX XXXX whose titles are Vice President of Operations. Neither XXXX of these people were willing to reinstate the original terms of our agreement or contract. I made the first two payments totaling {$500.00} for nothing. The collection company also refused to correct the calculated interest per the agreement so that the rate would reduce to .001 % effective XXXX/XXXX/16. Since XXXX/XXXX/16, I have been incorrectly charged over {$3000.00} in interest. This is nothing more than a malicious and deceitful collection company and practice and I ask for assistance in holding this collector accountable for their illegal actions.
Complaint sub-issue: Their investigation did not fix an error on your report

I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17
Complaint sub-issue: Trouble with how payments are being handled

I went to XXXX XXXX. I was never able to use my so-called degree to help me get anything in terms of work after I graduated. I was supposed to get a full refund, but I have been getting the runaround from the department of education.
Complaint sub-issue: Account information incorrect

THIS IS NOT A DUPLICATE* THIS COMPANY IS A FRAUD. THEY HAVE BLOCKED ME FROM DISPUTING INACCURACIES ON MY CREDIT REPORT THAT ARE TRUE ERRORS. THEY HAVE NEVER PROVIDED METHOD OF VALIDATION FOR ANY ACCOUNTS REQUESTED. THEY HAVE NEVER PROVIDED UPDATED CREDIT REPORT AFTER EACH DISPUTES. THEY ARE FRAUDS. I HAVE COMPLAINED ABOUT THE FOLLOWNG ACCOINTS SEVERAL TIMES. SINCE THEY WANT TO BLOCK ME FROM ONLINE DISPUTING. I AM FILING A COMPLAINT FOR FRAUD. YOU CAN'T BLOCK A CONSUMER FROM DISPUTING!! AND THEY ARE TAKIN XXXX THAN XXXX DAYS TO RESPOND ON HERE AND ON WITH INVESTIGATIONS XXXX. They are showing accounts past the XXXX days statute of limitations XXXX. They have never provided a MOV XXXX. They are showing sold accounts with balances XXXX. They are showing repeated Charge offs every month XXXX. They are not being consistent with other credit bureaus Here are the accounts they are showing balances, XXXX past statues, sold accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX I received a letter dated XXXX XX/XX/XXXX from my credit card company informing me that there is a possibility that your personal information might have been exposed in the Equifax breach announced in XX/XX/XXXX. The letter was sent to my po box in XXXX where I had recently moved to begin a new job. 

From the Equifax website I got inconclusive results when I tried to verify my involvement in their breach. I alternatively got results stating I WAS affected and then that I was NOT affected when I searched their system. Assuming the former to be likely, I filed a claim on XX/XX/XXXX requesting, via the Equifax Data Breach Settlement Claim Summary, enrollment in Option 1, Credit Monitoring for which I would be sent instructions to your email address or your home address.

This never happened. I assumed for the past 3 years that I was receiving their credit monitoring. Only on XXXX XX/XX/XXXX did I receive an email from Equifax informing me that I was not a member of the Settlement class and not eligible for settlement benefits. Their email referred me to a phone number for the Settlement Administrator. 
A phone call to the administrator ( XXXX XXXX XXXX ) resulted in that entitys inability to find my name or social in their list. They gave me a number to call at Equifax, which simply referred me back to the XXXX phone number.

Just for grins I decided to attempt to obtain my free annual credit report online from Equifax. These efforts were also stymied with unexplained failures of their system. After hours on the phone I managed to speak with an Equifax rep, presumably in the XXXX, and she reported that according to Equifax records, my address was still a po box in DC ( actually closed since XXXX when I had moved to XXXX ). This is very strange since the Equifax Data Breach Settlement Claim Summary mentioned above for which I printed my signed copy, gives my correct address in XXXX as of XX/XX/XXXX, and my phone number and email on this form remains the same as it was then. She was unable to give me online access to my credit report but had it mailed to me. 

I also responded to the XXXX Equifax email on the link they provided, but have had no response from them regarding what they want by way of " proof of Class Membership. '' Obviously, Equifax is in no position to monitor anyones credit if they cant even keep our addresses up to date, despite having them in their own legal records, entered in their own system, and corroborated by all the agencies whose data they harvest. The fact that I have gotten no satisfaction from Equifax almost 5 years after my data was compromised, shows them worthy of investigation and stiff fines from the Federal Government.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Personal information incorrect

Please be advised that you are reporting incorrect personal information on my credit report. 
I need the following information updated as soon as possible. 


My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : USDOE/GLELSI XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

The school I attended filed chapter XXXX bankruptcy after defrauding me on earning potential and loan process