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

XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Investigation took too long

I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
Complaint sub-issue: Can't temporarily postpone payments

I TOOK A LOAN IN XX/XX/XXXX TO ATTEND COLLEGE AT XXXX XXXX UNIVERSITY. I GRADUATED FROM ANOTHER COLLEGE IN XX/XX/XXXX. 
AT THAT TIME NATIONAL COLLEGIATE LOAN TRUST WAS UNDER A DIFFERENT NAME. I COULD NOT PAY BACK THE LOAN BECAUSE WHAT THEY WERE ASKING FOR PER MONTH WAS SOMETHING I CAN NOT AFFORD DUE TO MY INCOME. THEY WERE NOT WILLING TO WORK WITH ME. IN XX/XX/XXXX, I RECEIVED A LETTER FROM A DEBT COLLECTOR FROM A LAW FIRM THAT I WAS ORDERED TO PAY OVER {$28000.00}. MY MOTHER, XXXX XXXX, WAS ALSO COSIGNER. I SETTLED WITH THEM TO PAY XXXX A MONTH UNTIL PAID OFF. I MADE 12 PAYMENTS OF XXXX ON TIME UNTIL XXXX XXXX. I LOST MY JOB, AND MY MOM COULD NOT PAY THE LAW FIRM BECAUSE SHE NEEDED TO HELP ME. IN XXXX XXXX, I RECEIVED A LETTER OF DEFAULT OF LOAN. I RECEIVED A NEXT LETTER THAT THEY NEEDED PROOF OF WAGES AND ASSETS FROM ME AND MY MOM, AND DUE WITHIN 45 DAYS. IT HAS ONLY BEEN A FEW MONTHS SINCE WE HAVE NOT BEEN PAID THEM. I HAVE SINCE FOUND A JOB IN XXXX, AND WE WERE GOING TO START PAYING THEM AGAIN. BUT NOW THEY HAVE GONE TOO FAR TO TRY TO COME AFTER OUR WAGES AND ASSETS. I AM A SINGLE MOTHER WITH XXXX CHILD, AND MY MOM IS ABOUT TO RETIRE -- I WILL NOT ALLOW THEM TO TAKE AWAY WHAT WE HAVE WORKED HARD TO EARN OVER A FEW PAYMENTS THAT HAVE BEEN MISSED. I HAVE ALSO PETITIONED TO FILE FOR CHAPTER XXXX BANKRUPTCY, BUT THIS DOES N'T TAKE CARE OF MY PRIVATE LOAN.
Complaint sub-issue: Information belongs to someone else

Equifax has refuse to investigate the collection that's on my account open XX/XX/2017 for {$290.00} with XXXX XXXX nor has provided any written proof, my signature, picture or anything to tie me to this fraudulent account. My identity has been compromised and used for medical purposes. This is the only negative account I have on my credit report without validation. This a defamation of character and willful injury. This is also a violation by FCRA section 623 also section 609 states upon request they are required to provided information as requested to prove the account is your. This has not been done.
Complaint sub-issue: No notice of investigation status/result

IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Complaint sub-issue: Personal information incorrect

I have reached out to Equifax numerical times in reference to unknown addresses. I have previously had these addresses removed back in XXXX of 2019 After submitting a request to have them removed again permanently, Equifax informed me they were unable to find my file, needed additional identification so forth and so on., I have hired an attorney and we are in the process of taking this matter to litigation.. He has first informed me to send them Equifax a Affidavit Of Unknown Addresses accompanied with my social security card, copy of my birth certificate and additionally a utility bill that clearly states and has my name and Correct Address attached hereto., It is of and within my legal rights according to the FCRA Subsection 623 ( a ) for Equifax Credit Bureau ., TO PROVIDE ACCURATE INFORMATION., Duty to Correct and Update Information., A furnished that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that Previously furnished information is not complete and or accurate and to Correct that information. I hereby send this Affidavit of Unknown Addresses for the addresses of 1 ) XXXX XXXX XXXX, XXXX Pa XXXX 2 ) XXXX XXXX  XXXX XXXX, XXXX Pa XXXX 3 ) XXXX XXXX XXXX, XXXX Pa XXXX I have exhausted all attempts with the unknown furnishes of addresses., This is my last attempt before filing a lawsuit in the Court Of Common Pleas., located in XXXX, Pa XXXX
Complaint sub-issue: Reporting company used your report improperly

The XXXX 2017 data breach at Equifax has resulted in the company effectively sharing a complete list of identifying information for me and 183 million Americans. This information was supposed to be protected and confidential but Equifax was negligent to not only allow the breach to happen but to also not share the information until a month later. 

In response, Equifax has offered incredibly minimal services in return ( and only after several key employees had sold off their stock in the company ). They are offering free credit monitoring for an unspecified amount of time.
Complaint sub-issue: Account information incorrect

I CONTACTED XXXX EQUIFAX AND XXXX   about them having my updated balances incorrectly reported on my XXXX  account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX  account. And EQUIFAX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XXXX  of every month.
Complaint sub-issue: Their investigation did not fix an error on your report

The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$610.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i was purchasing a car from XXXX XXXX and when i looked at my credit report there were several hard inquiries that i did not approved. I was given XXXX XXXX but several other inquiries from other loan companies. I told equifax but no help.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to pull my credit report from Equifax credit reporting agency since XXXX XXXX, XXXX. I am also a paying customer of their monitoring system that I pay every month. This is a service that I was told that was unlimited at any time. I called on XXXX XXXX, XXXX at XXXX XXXX and was on the phone for 2 hours and did not get any results. I also applied for credit with XXXX XXXX on XXXX XXXX, XXXX and was told by the creditor that they were unable to get a copy of my credit report. I also applied for credit with XXXX and was also denied due to no credit report on file. This is a violation of my rights and I have tried to resolve this matter and has been very unsuccessful with this matter. I was told that my credit file is too large. This company previously has taken accounts off my credit and added accounts that were derogatory back on my credit file. These are medical bills that was found not to be mine.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX card never accepted card and never opened account does not belong on my report needs to be removed from credit bureaus report Reprted on XX/XX/2019 XXXX
Complaint sub-issue: Threatened to sue you for very old debt

This person Mr. XXXX XXXX keeps call from an annoymous number ) leaves a voicemail with a call back number of XXXX. I told him they need to mail me proof of what is talking about. I have asked for his company information, business license etc. which he refuses to give. Have asked him 4 times to not call me at work. Which he continues to do. Call XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Told him today again to stop calling, I have not received anything via email. I said to stop calling me at work, he said I can't do that. Threatening that his next step is to file in my county. Again, I have never done business with this person. Very rude and again keeps calling me at my place of employment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I never applied for credit with this company
Complaint sub-issue: Account information incorrect

In early XX/XX/XXXX we received a statement showing a payoff amount and due date of XX/XX/18. XXXX XXXX   proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XX/XX/XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts.

This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
XXXX
Complaint sub-issue: Public record information inaccurate

A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.
Complaint sub-issue: Information belongs to someone else

Equifax I have contacted you 7 times to remove old out dated or just not mine information 7 times by fax and phone You have address that are not mine that you will not remove 3 address .XXXX , XXXX , XXXX XXXX XXXX this is a partal address you have it on file. Also you are reporting XXXX XXXX And XXXX XXXX XXXX   they were to to be removed but you have not done so please remove them inquires there are 4 I never made .I will fax you the information with the CFPB case Number on it this was posted on XXXX XXXX XX/XX/2018
Complaint sub-issue: Can't close your account

Citigroup makes it easy to open an account online but does not allow closing in the same fashion. Instead I waited several minutes on hold to be told that I needed to call back 3 days after the last transaction occurred. 

Why do I have to wait to call back when their system should be able to handle the deferred close if that is what is needed. Moreover, why can I not close an account online when I am able to open one?
Complaint sub-issue: Information belongs to someone else

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and XXXX, Equifax and XXXX maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Complaint sub-issue: Account status incorrect

Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Didn't receive services that were advertised

I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried on several occasions to have Equifax verify several collections on my credit report that aren't mine and they have yet to supply how they have verified the collections or deleted the collections. Here are the dates that I have sent letters to Equifax : XXXX with XXXX by phone and XX/XX/21 and they have yet to verify how they have verified each collection. 
The collection from XXXX XXXX is a medical bill to my knowledge I haven't given anyone permission to give any information on my medical health to any third party per the HIPPA law. 

I have sent letters to both XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XX/XX/21 and they have not responded and I have showed this information to the bureau and they have not responded at all.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX and XXXX, 2022 I wrote to XXXX, Equifax, and XXXX in regards to deleting these poor investigated items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received correspondence stating the accounts were verified. If accounts were verified why are they deleted from XXXX? Please see that my deleted items are deleted from all three bureaus.
Complaint sub-issue: Information belongs to someone else

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not mine

My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone