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

XXXX and Equifax are and have been for over 4 years reporting inaccurate payment history of my XXXX XXXX' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and Equifax says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, Equifax, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  has no right to be in my credit report I do not now how they were allowed to access my report and put this claim in I never have a n account with these people please remove from my report they are not telling the truth I never had any contact with these people and was not notified of any of this. please remove the {$690.00} collection account that just showed up in my report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 
Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Billing problem

On XX/XX/2019 I made a monthly loan payment to PNC bank and the branch manager made my payment into the wrong account ( I assume it was in her own personal account ). I began getting late calls and mail. I contacted PNC and shared my receipt and canceled check and basically they could give a crap. Told me it would take up to 10 days or more to resolve this matter. They arent sure how to handle the late fee, which was assessed due to the branch manager placing my {$1100.00} into the wrong account. They have stolen my money and even though they have the receipt and video on this transaction they tell me its internal and they cant discuss this with me. My payment was made 6 days before the late due date. Im worried about my credit and future payments since they are totally incompetent and are protecting the theif branch manager, XXXX XXXX, XXXX XXXX branch in XXXX Ga.
Complaint sub-issue: Problem with fees charged

I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX  {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX  guidelines set forth by the XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax discovered that from midXXXX through XX/XX/XXXX their files were accessed by individuals outside of the company. Because my personal information was stolen I believe Equifax should be liable in the event that I am harmed by this data breach. I do not know the extent of the damage as of yet and I may never know.
Complaint sub-issue: Information belongs to someone else

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Complaint sub-issue: Debt is not yours

This complaint is the third complaint filed against Plusfour , Inc. for illegal collection activity in the State of Florida. In the previous complaint XXXX, Plusfour submitted an illegally modified E-Oscar report from Transunion. In the report, Plusfour modified my current address to reflect a Nevada address in place of my Florida address. They illegally modified this document because Plusfour is restricted from conducting collection activity in the State of Florida by the Florida Attorney General and the Florida Office of Financial Regulation. I have attached a copy of the legal order from the State of Florida. I have also attached a copy of my current XXXX credit report dated XXXX reflecting my Florida address. Plusfour is fully aware that they are operating illegally in the State of Florida. I have filed a formal complaint with the Florida Attorney General and Florida XXXXffice of Financial Regulation requesting an investigation of XXXX and their illegal collection activity.
Complaint sub-issue: Other problem getting your report or credit score

I was hoping to be able to see a week go by without needing to open a complaint against EQUIFAX, who for some reason has been persistent in screwing up either my or my wife 's credit report, or both. This time it's about a score decrease that at the same time that a new credit card was reported to the three credit bureaus, the score increased as it should on my XXXX credit report 51 points and on my XXXX  31 points. 

Now the change to my Equifax reporting was just the opposite that resulted in a 31 point DECREASE in point score that puts my Equifax score back down to their number XXXX which is what they have in the past locked my credit score at ( meaning regardless of payments made the score does not change ). It is always an ongoing battle to get Equifax to correct the intentional " errors '' that constantly make sure are in our reporting ( look at the plethora of complaints ) files this year only. No need to mention that they have been on a mission to keep our credit scores below a certain threshold to name just one of the ongoing problems we've been consistently fighting to get resolved. 

They will respond to this complaint as they do with the various others saying they will investigate, get back later, need more time. But has NEVER address any of the complaints to correct the wrongful damage they continue to render to our credit reports. 

See attached screenshots ... 

Both my wife and my credit accounts have no negative accounts or payment history for nearly two years, yet they are determined to make us look bad. They have even deleted a paid and closed accounts from my Equifax reporting that they provider confirmed on yesterday in a letter to me that they have asked Equifax to put back. We told that my wife and I are apparently targeted ...
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I received a notification from XXXX XXXX XXXX  on a credit inquiry request. 
See below New Inquiry detected on your credit file XXXX, the following change to your credit file has been detected. 

Change : New Inquiry Company : XXXX XXXX Reported by : Equifax I had never made such a request from the company, XXXX XXXX. I called XXXX XXXX XXXX number in their credit request phone number. I gave my name and current address. Nothing came up. The representative listed sister companies where I may have applied for credit. From my knowledge, I have not applied to any. They asked for my social security number. Owing to the fact that I had never heard of the company, I elected to not give my social security number and hung up. 
I called XXXX XXXX  on the following Monday to report the incident. I talked to a representative on Tuesday who provided the information to inform which relevant parties to inform. 
No other steps have been taken from my side.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone opened a US Bank and XXXX XXXX XXXX credit card in my name around the same time. I've contacted both banks to resolve this issue and even sending my ID as proof as I did not open any accounts. Please check the IP Address from where the accounts where opened. 

I had no access to this cards nor did I have anything mailed to me
Complaint sub-issue: Account status incorrect

I recently reported  XXXX  loan servicing to all   XXXX   major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent altisource trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer   XXXX   over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.  XXXX    XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER  LENDER LOAN SERVICER OPERATION SEEKING THE MAX DAMAGES. I ASK THAT ALL  XXXX  MAJOR CREDIT R EPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.
Complaint sub-issue: Collected or attempted to collect exempt funds

Somebody opened an apartment lease in my name that I didnt approve. Didnt pay the lease and damaged the apartment with a total of {$33000.00} collections on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  equifax, has violated my right. 

15 USC 1681 section 602 A 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 instruction.

Verification Violation
Complaint sub-issue: Information belongs to someone else

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Complaint sub-issue: Account information incorrect

XXXX continues to violate the XXXX  discharge that we received on XX/XX/XXXX. 

The XXXX XXXX XXXX was filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. XXXX received notice from the court, as well as me. I responded to XXXX debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the XXXX  and provided discharge documents. XXXX has instead chose to wrongfully and injuriously report further delinquency to my credit report. 

Credit disputes continue to receive incorrect information from XXXX, despite providing the court documentation.
Complaint sub-issue: Company closed your account

My credit card with Citibank was closed in the middle of XXXX with any notice. Citibank claims they can close my account at any time and not give a reason. Even if this is legally allowed, then it borders on deceptive marketing. 

Citibank sends me an advertisement to open a credit card. I have a hard inquiry on my credit report as part of the application process. I am approved. Then about four months later my account is closed suddenly without notification. I am left stranded in the middle of a trip without the ability to use my card. At the very least they could have given a warning that my credit card was going to be closed. I think any reasonable person would have that expectation. I also believe that any reasonable person that doesn't break any laws nor do anything illegal would not expect his or her account to be closed for no reason. 

Citibank needs to stop this deceptive practice and ensure that they are not closing people 's accounts for reasons that are protected by law. If I ask Citibank if my account was closed because of my race, they can not deny that is the reason. If I ask Citibank if my account was closed because of my religion, they can not deny that is the reason either.
Complaint sub-issue: Reporting company used your report improperly

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Complaint sub-issue: Public record information inaccurate

I would like to know, why, in terms of credit score and credit report, a person who filed individual bankruptcy because of underwater mortage and the impossibility of financial options ( they were none according to the bank ), is treaty as equally as a person who filed individual bankrupcy because financial mishap. 

People who were collaterall damages in the economic downfall and de-regulation of lenders, are having such difficulties to buy another house. Why in credit reports does not say : underwater foreclosure. 

What can I do? What agency have address this issue and solution? Not even Consumer Finance have this topic 4 discussion as I looked ( see attachment ) Real Estate were not supposed to devaluated, let alone by 50 %, so what to do. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX  XXXX CARD Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF FIRST PROGRESSS INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part
Complaint sub-issue: Transaction was not authorized

I tried to open checkings account but I was denied do to a false statement by us bank
Complaint sub-issue: Debt is not mine

My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. 
The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Account information incorrect

The credit bureau 's are reporting inaccurate items on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXt, the following have violated my rights ; XXXX # XXXX, XXXX XXXXXXXX # XXXX, CXXXX's # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXXr # XXXXXXXX XXXX XXXXt XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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

15 U.S. Code 1679c have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 
XXXX is reporting an inaccurate balance on my credit report and I have sent couple dispute to no avail and Equifax refused to provide me how the investigation with discover went as I dont know what Equifax is reporting on my credit report. Investigate and delete and attached is document XXXXXXXX XXXX which is known on my report as XXXX Equifax reporting wrong balance on XXXX balance Summary Investigate XXXX and XXXX  and delete
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a bankruptcy account on my credit report with XXXX and Equifax Information Services LLC. Both XXXX and Equifax Information services said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, Equifax nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.