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

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were reinserted. 
XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6400.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX ) Account Number : 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.
Complaint sub-issue: Not given enough info to verify debt

I have asked LJ Ross Associates to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Debt is not yours

I have blocked the number in my XXXX  several months ago and continue to get several calls and voicemails a month, sometimes several in one day.
Complaint sub-issue: Card opened as result of identity theft or fraud

National data breaches compromised my credit. Someone tried to establish a line of credit through fraudulent means and without my consent.
Complaint sub-issue: Received bad information about your loan

As I had trouble at first paying my student loans, I started paying them later than I ideally wanted to start. I got approved for a Income Driven repayment plan, because my salary isn't very high. Things were fine for about a year or two. I was paying every month and my credit was getting better. 

After I got married, my husband and I filed our taxes jointly for the first time. Then, without notifying me, Fedloans changed the automatic payment amount from {$120.00} to well over {$700.00}. They said it was because we forgot to renew our application for income driven repayment plan, since apparently there is an expiration date. 

Once applying it asked if we would be willing to share our IRS tax information. My husband and I spoke to at least 3 agents from FedLoan and said that even though my husband makes more money, he wouldn't be responsible for my loans. After they REapproved the income plan, they kept the amount at $ 700+. Then we called again and this time we got a different answer. 

" Right.. He isn't responsible, but you're still responsible to pay your loan and this is based off both of your incomes. '' So how can they tell me that he's not responsible, then a week later, say he is responsible. I haven't been able to pay these past 2 or 3 months and now they're damaging my credit again. 

Unfair and very dishonest. 

If anyone 's reading this, and they tell you that your co-signer won't be responsible, DO NOT LISTEN. They are not " legally '' responsible, but the only option they give you is.. your husband is responsible because his income is $ XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}
Complaint sub-issue: Information belongs to someone else

Fraud has been reported on my account and equifax will not take off the accounts even when i gave FCT and Police reports
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Accent Ending : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX SSN : XXXX I disputed a transaction for XXXX {$180.00} which posted on XX/XX/20. My travel plans had to be cancelled due to Covid travel restrictions which should have resulted in a full refund according to the XXXX website refund information. When only a partial refund of {$83.00} was issued, I contacted my credit card company, Citi Cards, to begin the transaction dispute process regarding the additional {$100.00}. 

Citi Card began an investigation and on XX/XX/20 I received an electronic document indicating that Citi had been in correspondence with XXXX which resulted in them confirming that I was due an additional refund of {$100.00}, for which they had already begun to refund process. Citi stated 'If the new credit is not posted, we will reopen the investigation and continue working on your behalf to resolve the issue '. 

On XX/XX/20, after receiving no additional credit from XXXX and no additional information from Citi Card regarding their monitoring of the account or situation, I contacted them to inquire about the status of my dispute. I explained the correspondence I received and the commitment Citi had made to proactively monitor the account for the credit XXXX had confirmed with THEM was still due for the account. The agent was polite and kind and asked that I give it a little more time for them to work on it. 

Now I have received an electronic document XX/XX/20 that states the dispute was found 'not in my favor ' due to my correspondence being received after the requested response date. However, I do not see where anything was requested which was not provided. 

It is my opinion that I received this generic decline letter due to a lack of investigation regarding my case and a failure in due diligence to monitor my account as was promised in the XXXX correspondence. 

When I called in XXXX it was not to open a new dispute but rather to follow up on a dispute which was not being attended to by the credit card issuer. Additionally, the fact that I am only now receiving a notice of resolution indicates that my case was not resolved within the predetermined guidelines for billing disputes. 

I have been and continue to be, an exceptional customer. That being said, I expect exceptional service and have not until now had reason to feel that I was getting less than that from Citibank. I am requesting that this matter be re-reviewed and the {$100.00} credit be issued by Citi due to the company failing to follow up with the credit from XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My Equifax credit report shows to hard inquiries from XXXX XXXX, dated XX/XX/2020 and XX/XX/2020. I do not know this company and have never dealt with it or authorized it to get credit information about me, but Equifax gave out my credit info and marked my credit report with XXXX hard inquiries, which has hurt my credit score unfairly and illegally. I have tried to dispute this via Equifax ' own website and toll-free phone number, but have gotten no one there to even recognize my complaint, much less to fix my credit report. They tell me I should contact the company -- well, that's an offensive joke, since this was a fraudulent request from a company that I don't know how to reach and that won't do anything even if I did.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a cease and desist to the CCO of Plaza Services , LLC requesting all documentation the company has on the alleged debt obligation it has listed on my consumer report. XXXX XXXX, or a representative, failed to respond to my request. This company continues to harm my financial reputation without providing any documentation to support their claim. I never gave this company permission to be on my consumer report. Further, the company has no legal standing to harass me in this regard. Their violative business practices are defaming my character. Lastly, the company failed to update the account in question on my consumer report after I notified the company of the dispute. This is also a federal violation. All of these statements above are facts which will be proven in a court of law should the company continue to harass and defame my character.
Complaint sub-issue: Information belongs to someone else

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )
Complaint sub-issue: Account information incorrect

I have contacted Equifax repeatedly in writing, by phone and by fax. I have asked them to remove inaccurate information from my credit report and provide an accurate copy to my lender so I can close on my house. This process has been going on since XX/XX/2021. My lender can not not get any information from them and I can not move forward with my loan. I do not know what else to do. I need help.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect information showing in my credit report it has been well over 30 days and I haven't received any investigation results
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXXT XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXXDuring this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Problem making or receiving payments

I cant link outside account to my bank account. My account, my decision, not yours!
Complaint sub-issue: Their investigation did not fix an error on your report

I am a XXXX. I have been trying to have my XXXX sister 's and my credit separated by Equifax for years. I'm so upset and frustrated. I managed to get XXXX and XXXX to separate our reports years ago. It has been a nightmare trying to get my credit separated through Equifax. I sent 3 letters of dispute/dissociation to Equifax, one in XXXX, one in XXXX, and another in XXXX to no avail. I have sent the documentation requested including evidence of my accounts and current address with background information that supports that we are two different individuals with different lives. I have been in contact with representatives that have lied and assured me that our reports would be or have been separated. I will be consulting with a lawyer about my options because at this point it's stopping me from moving and or making life-changing purchases.
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/2022 ; XXXX XXXX
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX account for months. Equifax and XXXX  have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Attempted to collect wrong amount

Jefferson capital needs be removed off my credit report I pulled up my XXXX report and and saying closed and it doesnt even show up on my credit report for XXXX
Complaint sub-issue: Public record

There is a delinquency on my credit report and it does n't tell me where it has come from.
Complaint sub-issue: No notice of investigation status/result

XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
Complaint sub-issue: Public record information inaccurate

After several background check performed by checkr the most recent reported to XXXX that I have an open warrant in XXXX County FL from XX/XX/2002. Not only is that information inaccurate but it is 18 years old. XXXX has ultimately blocked my ability to drive causing a financial hardship at an already difficult time. I contacted Checkr to dispute this information and was advised their reinvestigation may take up to 30 days. So 30 or more days with no income. They also reported information in XXXX about a ticket which was XXXX processed and cost me 8 weeks of income. I feel like I am being targeted by this company on an effort to make their service appear to be valuable to these companies when in reality they are a scam.
Complaint sub-issue: Account information incorrect

This is a complaint for EQUIFAX, XXXX AND XXXX since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter to CONN CREDIT CO for Account number XXXX asking for verification and original documention of contracts with my signature per FCRA. I was notified that this account was valid with no proof of verification or proof of fair and thorough investigation per FCRA.
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX  Accounts " 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, and all other hard inquiries that are not associated to any current or pre-existing accounts 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
Complaint sub-issue: Talked to a third party about my debt

Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. 

Violated Fair Credit Collection Laws. Fail to response to my letters requests.
Complaint sub-issue: Information belongs to someone else

on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I was also a victim of the Equifax data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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.