Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Equifax refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX  fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Equifax countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I also filed a Id theft report numbered XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Last XXXX, there was a series of unauthorized charges from XXXX, XXXX. I reported them immediately and they assured me that the charges would be investigated and I would not be responsible for the charges. I stopped making charges to help with their investigation and the next month, not only did they not take care of the charges from this source, they said that I was responsible for the payment of the charges. I called the customer service line and they assured me they would take care of the problem. The next month the charges were still there so I called again and there was a promise that the matter would be take care of, and I let them know that I would not be paying on charges that I did not make. Let me say that on all the calls made to the Customer Service or Security Line, there was a great deal of trouble understanding them. They may have out-sourced this department but they barely spoke English. 
On XX/XX/22 I received a XXXX delivered letter threatening me that if I did not make payments on my bill that they will be notifying the credit bureaus. A day later I received a bill from Citi that my account was in default. I called on XXXX XXXX and spoke to a rep. She looked into the issue and told me that in 3 business days that my account would be leveled to XXXX. Tonight I tried to add airtime to my mobile phone but my card was declined. I have had an account with Citi Cards for over 30+ years. No problems, no delinquencies, I have always paid my card off every month. I guess this is how you are treated if you are a " freeloader ''.
Complaint sub-issue: Information belongs to someone else

I keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information
Complaint sub-issue: Debt was result of identity theft

do not recognize this service was not myself who this service was provided for. my insurance covers all of my medical visits. so this is identity theft. or fraud.
Complaint sub-issue: Information belongs to someone else

Personal identity theft regarding opening credit cards using my social security number and personal information. 
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: 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 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 inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Complaint sub-issue: Card opened as result of identity theft or fraud

Creditor extended secured credit of {$200.00}. Card associated with this account was never sent/received. Requested the card several times. Creditor had counted {$190.00} worth of charges for the card I had never even received, then closed my account and kept the security deposit.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I can not get information on who owns my student loans. I have not paid on them since XXXX when I became ill and dropped out of school, and yet I still get notices from NelNet. Throughout the years I have had them deferred. I have been very ill and in XXXX came down with XXXX that I am still dealing with the after effects. 

My student loans should have stopped in XXXX. 

I do not know who owns them or how to get that information. 

I need to have the student loans removed from my credit report.
Complaint sub-issue: Threatened to take legal action

I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : DISCOVER BANK ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX, Equifax, and XXXX Credit Report. 
I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Complaint sub-issue: Received bad information about your loan

I have been attempting to correct my loan servicing PSLF account with Fedloan servicing since XX/XX/XXXX. I have worked at my current government job for 6.5 years ( an approved and eligible government entity per studentaid.gov ). Somewhere my original start date on my paper work changed to XXXX instead of XXXX. I have spoken with fedloan servicing more than 10 times trying to correct this problem.

I have filed paper work signed by my government jobs HR department reflecting a start date of XXXX twice. Once on XX/XX/XXXX and a newer form on XX/XX/XXXX. 
They certified my employment from XX/XX/XXXX to current but refuse to correct payments from XX/XX/XXXX to XX/XX/XXXX, even with proper documentation. I have been told by fedloans to " just wait for it '' each time I contact customer service. 

I spoke with fedloan servicing regarding this matter in XXXX ( date unknown ) and on the following dates : XXXX XXXX XXXX Each time I was told the payments would change to reflect payment. To date they have not. After speaking with a CSR on XX/XX/XXXX, whom claimed they sent an email, I received a letter saying I was no longer eligible for TEPSLF, which I was NOT apart of as I am PSLF according to Studentaid.gov. 
I attempted to contact 3 times today ( XX/XX/XXXX ). Hold times were greater than 20 minutes. I requested a call back. Both times it stated this is the last time we will try to call back " name '' using this call back method and it disconnected. 
I have a total of XXXX eligible payments according to Fedloan servicing PSLF and I would like my account corrected to show the proper employment period with my approved government agency ( per studentaid.gov EIN Search ). 


I was referred to consumer financial protection bureau by the XXXX 
Please help correct this situation. I am hoping my account reflects properly before the servicers change.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has cleared my entire credit file as of XXXX. Equifax claimed that the conformation number I have was NOT in their system. It took weeks to update and correct my credit file. 
Apparently when I got married my name change was the result of an entirely new credit file. No one from Equifax sent any documentation to me of what had happened. I was NOT able to obtain credit because of this. Since then I have been correcting my credit file with Equifax! 
Equifax has received notarized certified mail form me since XX/XX/XXXX. Each time of their results Equifax has replied the account has been verified as belonging to me but Equifax has NOT sent me any documents proving anything. Equifax has ignored my documents, added alerts to my credit file that I did NOT authorize and have NOT verified any accounts under federal law. Under the F.C.R.A. Equifax has NOT furnished a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. In the results Equifax stated in writing that they verified that the items are being reported correctly. Equifax has NOT supplied information to me proving who verified these accounts. 
Equifax received my first letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my second letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my 3rd letter via priority mail XX/XX/XXXX Equifax has NOT verified any of the accounts mentioned above. ( my name ) has NOT received any proof of verification from Equifax. 
Equifax should NOT get away with this.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In the month of XXXX I tried to pay my water bill with my prepaid account using my account routing number and account number. It is a prepaid card account but we have access to our account information. My payment submission was returned to the water company unpaid. There was over {$600.00} dollars in the account at the time of submission. 

The bank returned my payment unpaid and now the water company wants me to pay a {$30.00} NSF fee even though there was plenty of money in the account to pay the bill. 

Was told that I could not use my routing number and account number for a prepaid card account to pay a bill. However PNC has nothing in writing for us that says we can not use out account number to pay a bill. 

The water company is requiring me to give them something in writing stating that fact ; that we are unable to use my account and routing number and they will remove the NSF fee from my account. 

I called the bank to ask for information regarding the inability to use a account number and routing number for bill payments ; and have yet to receive anything. I was told that it would be something that they would have to create for me in order to get the water company to remove the fee. It has been over 30 days and I still have not received a reply to my compliant. 

I know of other prepaid cards that allow you to use your account and routing number to pay your bill ; this is the only bank that I am aware of that you can not do a transaction in this manner. Please help me to resolve this issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account  # 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 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: Problem with fees

Home Depot has worked with the Federal Gov't or other law enforcement to engage in an inappropriate investigation into our home. This also involves XXXX. They set up a XXXX XXXX account under my husband 's old number XXXX. I'm having issues with XXXX above my head every time I go outside. Home Depot shows my IP address as XXXX XXXX, CA. This aligns to court signed documents, etc. This is also an XXXX issue. They are involved with XXXX XXXX. I live in XXXX at XXXX and they are trying to pin crimes on me! Home Depot never put my balance on the promotional rate offered after spending over {$290.00} on my last purchase. They changed my paper statements to e-bills so I would miss my bill and they put me in collections. This is so crazy! They don't acknowledge or investigate anything! Citibank COSTCO card is the same way with the zip code being in XXXX XXXX and the fraud too!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Complaint sub-issue: Old information reappears or never goes away

I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.
Complaint sub-issue: Unable to open an account

PNC Bank will not allow my bank account access XXXX XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I sent documentation the XXXX to remove items listed below from my credit report due to them being fraudulent accounts. XXXX claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC XXXX to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Report improperly shared by CRC

Equifax is allowing XXXX or XXXX or in Equifax case no name collections to report on m credit file in Breach of the HIppa laws Privacy act also MY XXXX was paying this so this company has no legal right to report Equifax is allowing them to do so and sharing this information with out the my consent MY medical records are mine and can not be shared for any reason my medical bills are part of that record.
Complaint sub-issue: Account status incorrect

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Complaint sub-issue: Account information incorrect

I had four student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Complaint sub-issue: Reporting company used your report improperly

The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies XXXX Equifax XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name ..I am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Personal information incorrect

Equifax continues to inaccurately show a " Social Security # Variation '' on my Credit File. I have been trying in vain for years to have this issue permanently resolved to no avail. After the latest round that took months Equifax finally took the " Social Security # Variation '' off my Credit Report of XX/XX/XXXX Confirmation # XXXX. However, when I obtained my latest Credit File XX/XX/XXXX Confirmation # XXXX I see that Equifax started reporting a " Social Security # Variation '' on XX/XX/XXXX! Only one month later! What is wrong with these people! 

I was born with one SS # and unfortunately will probably die with Equifax saying I have two.  Utterly ridiculous!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.