Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

To whom it may concern ; I recently received a copy of my XXXX Equifax and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates. 

Did I give your written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently XXXX.
Complaint sub-issue: Account information incorrect

Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date
Complaint sub-issue: Account information incorrect

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year ofXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Complaint sub-issue: Was not notified of investigation status or results

I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and its your obligation to fix all these errors.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Account information incorrect

DSNB/Macys is reporting a late payment to my Credit Bureau report which is incorrect as I had paid off all my balance in full for that month after speaking with the Customer Service before travelling. After I returned back to the US, I saw a charge of few cents and a late payment applied to it. I had called customer service right then and it was resolved as they refunded the charge along with late payment considering inaccurate and no action was needed from my end. However, it was reported to the Credit Bureaus as a late payment after a month and I see a remark on my credit bureau reflecting XXXX payment which affects my credit score and payment history negatively. 
I have 100 % payment history and a very responsible borrower but this is affecting my credit negatively and should be removed/deleted. I tried calling Macy 's customer service and they do not seem to have any information about this and see my account in good standing. 
My account is open since XX/XX/XXXX and the late payment that is affecting my score is from XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020
Complaint sub-issue: Account status incorrect

I wrote to XXXX  ; Equifax and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The facts that I know is that an inquiry was placed on XX/XX/2019 by Equifax Mort. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting Equifax Mort on XX/XX/2019, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. 
I called the company on XX/XX/2019 and I called Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX XX/XX/2019 and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.
Complaint sub-issue: Public record

My dispute is with Equifax. I have a public record on my credit report that is mine but it shows as XXXX separate public records when there should only be XXXX. A duplicate. I disputed and their findings was that it was mine. I then called them and explained that my dispute was not whether it was mine or not but that it is a duplicate with the same case number, amount, etc ... that shows as XXXX different public records. The person I spoke with told me he would file another dispute on just XXXX of them and put in that it was a duplicate and gave me this dispute number XXXX. Within a few days the results from that is that it is mine and they ignore that both of my disputes is that it is a duplicate showing as XXXX different public records when there is only XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX I initiated a dispute with my credit card company for a purchase of {$660.00}. They credited the charge pending outcome of the investigation. The dispute was resolved in the merchants favor and the credit was reversed on XX/XX/2020. I paid the balance in full. The credit card company then reversed the exact same credit again on XX/XX/2020 creating a new balance in the amount of {$660.00}. Since XX/XX/2020 I have reached out to the credit card company multiple times to resolve this to no avail. My previously XXXX balance is now {$660.00}. On XX/XX/2020 I was told to allow a few days for the account to be corrected. On XX/XX/2020 I was told the same thing. Then again today, XX/XX/2020, I was told the issue had been escalated with no promised date of resolution.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 reportAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX and cant. Also with equifax on their website I can never get my reports.
Complaint sub-issue: Contacted your employer

On XX/XX/XXXX I received a letter of Garnishment from my employer XXXX in regards to a company called XXXX XXXX ( Apex Servicing ) XXXX. This was a personal loan in the amount of {$1500.00}, and I never received any documents of collection or court order for them to garnish my wages. I reside in a state where court orders are required to file for a garnishment from these types of creditors. Also, upon review Apex is not licensed to apply wage assignments to the state in which I reside. The loan was taken out on XX/XX/2020 and they started garnishment on XX/XX/2020, and they are garnishing 15 % of my wages as if they are a student loan collector. Per the letter from my employer, the 15 % correlates to student loan debt. I did not get any notice or attempts of collection and the actions took place less than 90 days of the loan. I feel I was not given adequate notice or time to respond. The company refused to tell me the times they attempted to collect anything from. I would like for the garnishments to stop and the funds they took to be reimbursed to me. I would like to pay the loan directly to them.
Complaint sub-issue: Debt is not mine

I get multiple daily calls from Allied Interstate at XXXX. 

I have no outstanding debt at all. 

The calls start as early as XXXX local time, even on Sundays.
Complaint sub-issue: Information belongs to someone else

I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}
Complaint sub-issue: Information belongs to someone else

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX
Complaint sub-issue: Account status incorrect

There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX  and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
Complaint sub-issue: Information belongs to someone else

fcra not mine : see attachments for proof as follows ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX1. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,oh XXXX XXXX XXXX XXXX XXXX,ohio XXXX
Complaint sub-issue: Debt is not yours

To whom it may concern, I obtain a copy of my credit report and notice there as collection accounts that I have no knowledge of : Afini Inc, and XXXX XXXX XXXX. I did not have or requested any credit from these companies. I reach out to them and still they failed to send me verification of any documents bearing my signature.
Complaint sub-issue: Problem with customer service

XXXX XXXX is not responding to my inquiries regarding Public Service Loan Forgiveness. I have twice submitted documentation regarding my public service employment via upload on their website. I waited for several months to hear something, requested a response, and was told I needed to wait some more. Meanwhile, qualifying payments are not being credited to my account, delaying my ultimate loan forgiveness.