Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Whenever I try to obtain a credit report through Equifax for free ( either as an annual report or due to a denial of credit ), the system won't allow me access to my report. However, if I try to purchase a report, they will provide it for me immediately. In the past, I would purchase the reports because I needed them for something immediately, but now I know I can report this practice. 

On XX/XX/2018, I tried to obtain my credit report due to denial of credit. I went through the online system and successfully supplied my correct information. It stated I was entitled to a free report. When I clicked to retrieve this, it stated " online delivery unavailable '' and gave me the customer service number to call. I called the number and went through the prompts within the automated system and was provided a confirmation number and no additional explanation. The system then stated it would connect me with a representative. The line hung up on me. Immediately after, I contacted the Equifax customer service via chat, and received terrible service. I stated, " I requested my credit report ( I was denied recently ) and when I finished, it said, " online delivery unavailable '' and gave me information to call. I called and went through the prompts, receiving the confirmation code : **********. Then the phone hung up on me. Someone allow me access to the report I'm entitled to. The only time I have issues obtaining my report is when I'm supposed to receive it for free. '' The representative said they could not help me and referred me to the number that had disconnected me. I stated that I would file a report about this issue and they ended the chat without any conclusion from me. 

After the way Equifax leaked so many customers information ( including  mine ), I believe they shouldn't be allowed to operate as an agency anymore. They aren't able to be responsible to its customers or their information.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Keep getting calls about my loan

I submitted a complaint yesterday and I am unsure if it processed or submitted correctly. The service representative is now calling my family members on the cell phones to verify my personal information. This form of collection can not be legal.
Complaint sub-issue: Information belongs to someone else

I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

Card was sent to the wrong address and now usbankreliacard is not letting me submit change of address
Complaint sub-issue: Reporting company used your report improperly

Today, I received a letter from Lexis Nexis, which has a corresponding consumer number & case number. I called the customer service number identified, as the letter stated to inquire about the letter. However, to no avail was the associate able to assist because she was unclear and appeared as if she couldn't do anything. When dealing with personal information etc. it is extremely important to have associates capable of handling specific issues. The letter you sent to me appears vague, doesn't make sense, and clearly was unexplainable by the associate named " XXXX '' in the call center, who was unable provide a reference number or ID number to identify " her '' regarding my call, which is absurd. I requested a supervisor, she stated that they can call me, I requested email communication, Per my request to ascertain accountability, i want email communication. She then stated that someone could email me.

Again, I mailed a letter to LexisNexis located in XXXX Georgia, inquiring about some type of soft inquiry identified on my XXXX Report. I have yet to receive a response from Lexis Nexis, except what I assume this letter is. The leter I received, states that LexisNexis is unable to determine exactly what I was disputingm My request was Clear, concise & to the point and provided with Source based info, proof..

I specifically, want my actions answered and a written response. I did not authorize LexisNexis or any other entity to perform this activity on my XXXX Profile. IF further info is requested later by Lexis Nexis, I can comply as it will mirrior my initial request. Please contact me by email.
Complaint sub-issue: Reporting company used your report improperly

Equifax furnish information without my consent and has violated my privacy rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Complaint sub-issue: Account information incorrect

Evidently your agency is a sham because you NEVER address or repair the issues. You allow the business to dictate their terms placing me and others in financial bondage via incorrect or incomplete information. I could not find out the disposition to a collection agency report on my file that I was never informed they were attempting to collect. A fdca failure. Secondly wrong information on file. I gave opened complaint with Try gen state of Florida dispute almost a year and a half old.nexrlt even though this company claims I can add my own comments they do NOT ALLOW and only offer their canned responses. We are kept in complete financial bondage. Last they will not provide credit score. On line does not work not auto system. Also cfpb you never correct rejection of last 4 social security entry and email issues. It speaks loudly to who you are! " The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) ''
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or around XX/XX/20, a charged in the amount of {$110.00}, from XXXX appeared on my Citibank credit card which I immediately dispute this charge are not receiving sevices, inaccurate. XXXX remove said charge only to repost charge on XX/XX/20, with full knowledge the vendor/merchants bank responds verified services not received. Citibank refused to inspect, re-view the documentation from the merchants bank told the consumer all the bank has to do is reply and Citibank accept the charges. XXXX is engaging in a deceptive business practive with the the help of Mastercard merchant services. I want to file a formal complaint and request CFPB to enact or enforce laws to protect conusmers from this abusive deceptive practices involved with disputing inaccurate billing charges.
Complaint sub-issue: Information belongs to someone else

I applied for a mortgage with XXXX XXXXXXXX XXXX and XXXX. Both lenders pulled my credit multiple times. Each time plus more times. My credit was pulled a total b of 5 times. Each time Equifax miss merged another person 's social security, date of birth. Address and credit history with detailed accout information on my credit report. This persons debt is causing me to have a HIGH DEBT RATIO. causing me to be a risk at losing my mortgage approval and home. I've called Equifax every day since XX/XX/2021 to resolve the miss merged. Please help
Complaint sub-issue: Investigation took more than 30 days

I began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.
Complaint sub-issue: Debt is not yours

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " Equifax '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.
Complaint sub-issue: Debt is not yours

In XXXX 2022 XXXX XXXX XXXX flagged my credit for this XXXX debt from XXXX XXXX  I disputed it and have proof and it was taken off my report now a different company IC systems has brought the same report for same amount same company XXXX XXXX, I haven't had XXXX XXXX and I called the company IC systems and the man was so very disrespectful and rude for no reason and insisted that I was untruthful and hung up on me. I've tried to dispute this again to no avail. XXXX XXXX has knowledge of the situation as well as proof that is why they took it off. Now this is the XXXX time they have tried to give me this debt, it's unjust and I will not be responsible for something that is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I hAve disputes these inquiries with Equifax previously expressed that they are not authorized by me XXXX XXXX. I have multiple lenders pulling multiple reports on multiple days I need these unauthorized inquiries deleted .... 

XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX I also have a bunch of inquiries from XXXX XXXX and I did not authorized any of them please delete these inquiries ALL of the above are unauthorized inquiries I did not authorized allure above inquiries please have all of them removed
Complaint sub-issue: Information belongs to someone else

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Phone Number ( XXXX ) XXXX
Complaint sub-issue: Information is not mine

I 've reported ID Theft to Equifax for over the pass 3 years and nothing seem to get done about it. I have sent Equifax over XXXX different police reports along with my FTC Identity Theft Complaint And Affidavit they always come back account was verified. The last time I submitted a compliant to CFPD Equifax told CFPD they could n't find a credit report on me, and ask me to submit the same stuff I been submitting for over 3 years and I did that and once again nothing was done about it, I also ask for them to provide me the name, address, phone number and the person name who they talked to so I can talk to them myself it was they did n't.
Complaint sub-issue: Personal information incorrect

incorrect personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Complaint sub-issue: Keep getting calls about your loan

On XX/XX/2022, I was informed by my employer, XXXX XXXX, that a letter from Nelnet was sent to their office for me regarding a possible student loan debt. This is an invasion of my privacy as well as harassment at my employer 's corporate office. I live in Montana and my employer 's corporate office is located in New York XXXX. There is no reason to send my personal mail to my office where I can not receive it. It is clearly harassment and needs to be stopped.
Complaint sub-issue: Information that should be on the report is missing

In the middle of XXXX I placed FREEZES on XXXX, XXXX, XXXX. 

Today I received a notice from EQUIFAX the freeze is not in place and someone is trying to get a credit card. I called both XXXX XXXX XXXX  and Equifax who were absolutely NOT HELPFUL. 

I want the FREEZE in place. 

Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX close XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

Hello, I moved out of XXXX on XX/XX/2021. I submitted a notice as required by my lease on XX/XX/2021. I noticed that the email bounced back because they switched management companies so I went in to talk to them in person. They told me to turn in the notice there and so I did. I moved out on XX/XX/2021. I went to the office to turn in my keys, left a forwarding address and my number that hasn't changed in XXXX years. They told me that if they had any problems they would bill me in aout XXXX months. In XX/XX/2021 I received a call from the collection agency IQ DATA INTERNATIONAL. At first I thought it was a scam because I had never received anything from XXXX. They were also yelling at me on a recorded line and cursing me out. I hanged up and immidiately called XXXX. They said they they never had my phone number to contact me and my address so they didnt bill me.They also attempted to charge me for not giving them a notice. Once I provided documentation that I did in fact sent a notice they agree to take off most of the amount and contact collections to which they never did. I then contacted IQ and told them I would be getting a lawyer to which they responded you dont have a XXXX laywer. ( It is on a recorded line ) I began crying and panicking because teh representative was yelling. I offered to provided documentation to which they said that I could not dispute. I have attached an email from XXXX admitting that they charge was incorrect and honestly it proves that they never attempted to collect any charges before submitting me to collections. This is now affecting my credit and the unproffesionalist of IQ DATA INTERNATIONAL has caused me XXXX XXXX that i refused to speak to them as they were verbally abusive.
Complaint sub-issue: Problem making or receiving payments

THis morning I tried to link my account for a state funded grant and PNC stated their was an issue at the bank and they could not link my account at this time
Complaint sub-issue: Information belongs to someone else

Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX in Indiana. Once I got home in Ohio, I realized that the odometer in the car doesnt match the paperwork. I called back to dealership and spoke with the sales associate that sold me the car ( XXXX XXXX ). Expressing my dissatisfaction in the sale and asked was there something we could do to correct the situation. I was told the general manager would contact me the following Monday on the matter and never got a return call. I called back to the dealership after going to the XXXX in Ohio and was told the vehicle would be registered with a branded title due to mileage not being accurate. I again reached back out to the dealership and still no resolve. I later heard from the title clerk asking questions about the mileage of my trade. She stated that there was a mistake on the mileage document and needed to be resigned. I once again mentioned the odometer issue and she asked for me to send photos of the odometer of my vehicle. And also stated that the general manager would be contacting on what can be done on the matter. I again called the dealership and spoke to the general manager and he stated that he isnt going to do anything with the ongoing situation.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 

I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

Please delete the items as soon as possible.