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

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX  IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.
Complaint sub-issue: Debt was paid

This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false
Complaint sub-issue: Information is not mine

I 've tried entering a dispute with both FactorTrust Inc ( the credit agency ) as well as XXXX XXXX XXXX ( the company that had received a fraudulent credit request, but neither was able to take my information.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Account Number XXXX, Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Rights To Privacy 15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions
Complaint sub-issue: Problem with personal statement of dispute

This is a followup to complaint number XXXX regarding XXXX XXXX and Equifax. As reported previously XXXX discovered my identify on the dark web ( I am one of the millions of Americans affected by the Equifax breach ) and on XX/XX/2018 reported to me that credit checks from XXXX XXXX and XXXX XXXX were issued to Equifax for credit card approval utilizing an my old residence address and in the case of XXXX XXXX  an incorrect SSN. XXXX contacted me and we contacted both XXXX XXXX and XXXX XXXX to discover that Equifax approved both credit checks! Both XXXX XXXX and XXXX XXXX stated they would cancel sending out the credit cards and remove the credit check on my credit bureau reports. Since then XXXX XXXX has followed through and removed the credit check as reported by XXXX XXXX and XXXX. 

However, both XXXX XXXX and Equifax have refused to remove the credit check as a result of the XXXX XXXX fraudulent application. Attached is a letter from XXXX XXXX even refusing to acknowledge any fraud and demanding more information, which I have already provided by both phone and in writing. In my last conversation with XXXX XXXX they stated that it was Equifax 's issue as they had already submitted their report however, neither XXXX XXXX or XXXX  have received the XXXX XXXX correction request as documented by their credit reports.
Complaint sub-issue: Personal information incorrect

Hi, Ive noticed https : //www.equifax.com/ is offline for half the united states.

Is this because of negligence?

Are you responsible with my financial information and identity records, should you get hacked or compromised?

How can i submit address changes and disputes without the website?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX and Acc # XXXX XXXX  XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My husband is a XXXX XXXX XXXX who is currently XXXX. Vw Credit financial has denied my husband and I our SCRA rights and have threatened to repossess our vehicle since we fell on hard times during his XXXX. They do not have a SCRA department or reposession department that we are able to get in touch with and has been giving us the run around. They know about the SCRA law, because they have been asking us to voluntarily surrender the vehicle instead of coming to take it ( since we live on the XXXX XXXXXXXX XXXX XXXX ). They are denying a court order as well.
Complaint sub-issue: Funds not handled or disbursed as instructed

Someone had hacked into my cash app account and took {$340.00} out. They took XXXX out once they took XXXX out once and they took {$300.00} out once. Will they text me when the XXXX was coming out and hadn't come out yet I told them do not let that go through and they said they wouldn't the same person that did all three transactions. Cash app suggested that I open up a new account with a new email and they would reimburse me the money that was fraudulently took out. Open up a new account with a new email and I waited approximately 7 days cuz they told me be 7 to 10 days before they put it back in. I tried to open up my old account and my also my my password wouldn't let me in and I didn't have the same phone number. I've been going through this almost 3 months now with cash out time to get this money back in my account with no headway whatsoever. I've given them the same information over 50 times at least 50 times I've had over 50 correspondence with them and still haven't had no results at all. Can someone please help me here they owe me {$340.00} and I want my money
Complaint sub-issue: Report improperly shared by CRC

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report XXXX the state of XXXX because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Complaint sub-issue: Trouble with how payments are being handled

For the last 10 years I've had my Federal student loan serviced by XXXX. Never did I have any issues with them. 

Last month they switched over to American Education Services or AES. 

AES sent me 1 letter saying the loan was going to switch to their company and that I shouldn't have to do anything additionally. 

I have automatic payments applied to this loan. {$240.00} comes out of my bank account on the XXXX of every month. AES took over my loan beginning of XX/XX/XXXX and they took out {$240.00} on XX/XX/XXXX as they should have. 

Then I noticed another charge of {$240.00} come out of my account on XX/XX/XXXX. There was no authorization and no notice of an addition payment to be made, it was very quietly taken from my account. 

After contacting AES they said there must have been an accounting issue on their end and it would take 7-10 business days to refund that payment. 

I contacted my bank to refund that payment immediately and was hoping to be done with the ordeal. Then, yesterday, XX/XX/XXXX I received an email from AES saying my account was delinquent and I owed them {$490.00} on my account. 

I contacted them immediately and asked them why they are requesting a double payment after having taken out my regular payment on XX/XX/XXXX. They claimed to have refunded both my XX/XX/XXXX payment ( which had already been paid ) plus the mistake they made on XX/XX/XXXX. 

Because of their mistake my account is now considered " delinquent '' which I've never had for the entire 10+ years of my loan. Not only do I have to make sure I have those funds corrected in my account but I have to hope my XX/XX/XXXX auto payment is taken out correctly and a double payment is not charged again. 

I did not want my loans to transfer to another company in the first place and I'm very disappointed with AES and their accounting practices, intentional or not. 

If these issues continue to occur I think American Education Services should be investigated for predatory practices.
Complaint sub-issue: Information belongs to someone else

Macy 's informed me that my ex and I have a joint account with their credit card services, however I never applied for this myself. My ex appears to have done so to guarantee his approval for the card, using me as a co-signee. Or perhaps he did it for his mistress, to humiliate me further and he gave her a card in my name. I never saw any Macy 's card. I live in XXXX California. I don't know the why this was done, but what I do know is that I did not authorize this, I had no knowledge of the account having my name added to it, I did not give my social, nor a photo of my driver 's license, nor signed any documents myself. So this entire account has been fraudulently added to my account and has been on there for almost 2 years without my knowing until I received a credit alert about one of my account 's having a negative status. I do not check my credit report unless I am alerted to potential issues, which I was. I tried time and time again to explain this to Macy 's who refuses to listen or acknowledge these circumstances. Whatever was done, was done without my explicit permission or involvement. My ex had access to any of the following ( and more ) : my driver 's license, my passport, my birth certificates, my social, my signatures, my personal credit cards, my bank account and routing/account numbers, etc. The list goes on. It is apparent to me what has happened. Macy 's needs to fix this egregious error.
Complaint sub-issue: Information belongs to someone else

I requested on XXXX XXXX to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.
Complaint sub-issue: Reporting company used your report improperly

HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO EQUIFAX, XXXX, AND XXXX. I EVEN CALLED EQUIFAX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. EQUIFAX EMPLOYEE : XXXX EMPLOYEE # : 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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 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: Threatened to sue you for very old debt

Bennette and associates are calling threatening to sue for a debt that clearly is unknown or owed They gave me this case or reference number XXXX Their address is XXXX XXXX XXXX XXXX ca XXXX The agents were very rude they called my husband and did not allow him to ask certain questions anytime he asked them to stop calling us they tried to over talk him so that his request did not get recorded. The guy name was XXXX he's a fast talker and very rude
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these companies to pull my credit.
Complaint sub-issue: Investigation took more than 30 days

I filled a I filled a Dispute in regard to the inaccurate items on my credit report its been will over 35 Days. I am distressed i haven't requested any information on the investigation.
Complaint sub-issue: Information belongs to someone else

the inquiries are unauthorized and that I want them removed from my credit report.I contacted Equifax by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act XXXX  XXXX of XXXX XXXX XXXX account # XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I recieved an alert from my credit monitoring that a hard inquiry was put on my Equifax credit report. I did not at any time apply for credit with XXXX XXXX  or otherwise authorize this. I called XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with Equifax, the next day ( XX/XX/2019 ) I received a response that the investigation was complete and it was verified as accurate. I called Equifax on XX/XX/2019. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with XXXX XXXX  and how they confirmed that it was fraudulent and requested they call XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called XXXX XXXX since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.
Complaint sub-issue: Reporting company used your report improperly

By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my privacy and confidentiality under 15 USC 1681. 
XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX 15 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s 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. REMOVE/DELETE off my accounts
Complaint sub-issue: Report improperly shared by CRC

Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/CBNA XXXX Charge-off There is no remarks that shows that this account is charged-off. Also the dates are reported inconsistently. Please delete this inaccurate report.
Complaint sub-issue: Account information incorrect

The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is XXXX And XXXX. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 XXXX, XXXX. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 XXXX XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX.49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. XXXX Also is reporting inaccuracte information just the same with just about 100 inaccurate items. Equifax is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.
Complaint sub-issue: Their investigation did not fix an error on your report

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled millions of SSNs, credit card numbers, DOBs, and other personal information for almost half of the United States. After learning about their security breach, they waited almost two months before telling the public, and a few of the executives sold stock before even announcing the events publicly. Additionally, the way EquiFax decided to handle the situation was to provide a free 1 year monitoring of each customer 's information, even though many of these breaches will yield a lifelong threat against identity theft.
Complaint sub-issue: Problem getting my free annual report

On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.