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

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX ; Account # XXXX XXXX  XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Complaint sub-issue: Information belongs to someone else

medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}
Complaint sub-issue: Can't temporarily delay making payments

LOAN TYPE XXXX XXXX XXXX XXXX XXXX Unsubsidized LOAN PERIOD XX/XX/XXXX - XX/XX/XXXX I am having some family issue the following coming school years XXXX on so I took a semester break for the year. dealing with my issues plus time passes by I was going to decide to continue some semester again, but unfortunately the school announcing itself is being close down due to some series learners and parents complaining about its teaching. I try to find some way to get a hold of my credit units that I have completed and earn when I was attending from XXXX year, but no luck. Will I ever be able to get a hold of that transcript?
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX $ was put collection and i was getting calls during work hr disrupting my office
Complaint sub-issue: Called before 8am or after 9pm

I assume this is a debt collector because of the repeated calls. They call relentlessly, and have called 3 times before XXXX XXXX. The company name is Allied Interstate LLC. In the next section it asks for the account number or the last 4 digits of my social security number. It kept rejecting the last 4 of my social and I have no idea what the account number would be.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602A states : I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX XXXX sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged my credit report
Complaint sub-issue: Information belongs to someone else

For the past twelve months I have tried and been unsuccessful in attempting to reach Equifax via phone. I have sent letters and faxes that have gone unanswered and have been ignored. When I email, I am given generic responses with no resolution. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. The generic email response is that inquiries are factual, which is false per FCRA. I have contacted the businesses in question, who can't seem to find an authorized signature from me and they tell me to contact Equifax. Equifax tells me via email that inquires are factual ( false ) and tell me they can only remove if a FTC report is sent to them. I comply and send FTC report. Equifax places a fraud alert and then refuses to remove the inquiries in question. I have even asked for early exclusion which I'm entitled to per FCRA and Equifax has ignored my request. At this point Equifax is in blatant violation of my rights and totally disregarding the FCRA guidelines, therefore in violation resulting in monetary fines should I pursue legal action. Equifax is already being sued by many others for their blatant disregard of the law. I demand that they comply and remove the unauthorized and inaccurate inquiries on my credit report.
Complaint sub-issue: Old information reappears or never goes away

I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of  Limitation. These items are holding me XXXX for a better life for myself and my Family.
Complaint sub-issue: Account status incorrect

In XX/XX/2020 department of education/ Mel net reported I was 90 days late. The month prior I was on time. I was still in grace period during the time they reported I was late. I have never been late on this account due to me never having to make a payment. How can I be on time in XX/XX/2020 then you report that Im 90 days late in XX/XX/2020 this is incorrect
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Complaint sub-issue: Debt is not yours

PMAB , LLC is attempting to collect a medical debt from me at this time. I have stated that I refuse to pay this debt because at the time of service I had primary and secondary insurance. The original creditor did not charge my secondary insurance for all remaining charges owed. I should not have to pay this debt because the medical provider was negligent and also medical malpractice occurred during the time the services were rendered.
Complaint sub-issue: Debt is not yours

Back in XXXX XXXX incorrectly charged me for service that I did not have. This incorrect debt got sent to collections but after resolving with XXXX ( they realized I was wrongly billed XXXX $ XXXX and disputing it was removed from my credit report. 

Now a year later in XXXX, the debt collection agency " IC System '' has reopened this collection and negatively affected my credit.
Complaint sub-issue: Didn't receive enough information to verify debt

I suspect a fraudulent account on my credit report. I put in an FTC for it and letter and never received a response for 30 days or more. By law after 30 days you are suppose to remove the accounts after no response.
Complaint sub-issue: Billing problem

Ally financial keep drawing money out of my my bank account that is used for personal things, Ally financial has an account they are to be taking money out of for our car payment but refuses to take out of the allowed account. This is unacceptable and keep putting my personal account into the negative costing me an extra XXXX $ a month.
Complaint sub-issue: Account status incorrect

The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Complaint sub-issue: Information is missing that should be on the report

Over the last 3 days, Equifax has decided to remove all accounts that I was an authorized user on. I did NOT dispute these accounts and am still a valid user on each of these cards. This intentional action has caused significant harm to my credit score as I attempt to rebuild my credit. These accounts have considerable age and positive payment history that I have been trusted by the card holder to also have access to. I have responsibly used these authorized user accounts and Equifax has no cause to remove these accounts from my report. The accounts are as follows : XXXX ( XXXX, XXXX XXXX XXXX Delaware ( XXXX, and a XXXX credit card ( XXXX ). This action has dropped my average account age to XXXX year and XXXX mos, whereas previously my account average age was well over 6 years. I do n't understand why an organization such as Equifax, which a marred public image due to the recent security breech ( of which my account was one of the records compromised ), could behave in this way. I can only assume that Equifax has malicious intent with these actions.
Complaint sub-issue: Information belongs to someone else

Fraud ... Their are hard inquiries they are not mine.
Complaint sub-issue: Information is missing that should be on the report

CITI CARDS/CBNA - XXXX is not reporting my account to XXXX. This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX - XXXX is not reporting my account to XXXX XXXX This account not being included on my XXXX credit report is negatively impacting my credit scores. This error needs to be fixed.
Complaint sub-issue: Debt was result of identity theft

I reached out to this debt collector to ask for validation of debt they failed to provide it and insisted the debt belonged to me. I always had health insurance, they couldnt even show me a picture of my ID because I know for a fact they cant provide it because I never was seen in the XXXX. I filed a FTC complaint and they still refuse to remove this from my credit report.
Complaint sub-issue: Account status incorrect

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
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 and other furnished XXXX XXXX, XXXX XXXX, and 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 I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to XXXX XXXX as well telling them that they are in violation of my rights as well and sent letters to XXXX XXXX to fix this. Certified as well and was received by XXXX XXXX on XXXX XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

In XXXX, my father opened a credit card with AT & T Universal Citibank for his business. I was added as an authorized user when I became more active with his company to purchase materials, pay bills, etc. I was never responsible for the account or the balance due. According to my parents, the account was closed by my mother with a balance still owed in XXXX. I was told by a loan officer that ran my credit report that I have an AT & T Universal credit card with a large balance listed. After doing some research, I figured out it was my father 's card. The credit card company said they are not able to remove me as an authorized user on a closed account. They also explained that my name is not listed on the account, just my parents. This debt is not mine and its negatively effecting my score and my ability to buy a home. Please assist me!!!!
Complaint sub-issue: Information belongs to someone else

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Equifax ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Contacted company for removal of my record from their files. Explain it affected my credit rating. Their response was they still own my mortgage. Don't understand why. It was first loan mortgage and sold : Status Transferred, closed/Never late. 

Type Mortgage Terms 25 Years On record until XXXX XXXXXXXX Last date they reported my status : Date of status XX/XX/XXXX -- First reported XX/XX/XXXX Transferred to another lender which is my current mortgage company that reports my status to credit reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX is reporting a mortgage in the amount of {$300000.00} in my credit reporting and my husband 's credit reporting. Supposely this mortgage was taken out on XX/XX/XXXX and it was closed and paid on XX/XX/XXXX. This mortgage never happened. XXXX XXXX XXXX XXXX can not find any documents signed or any records of the mortgage. I have been living in my house for 18 years since XXXX. Now I'm trying to refinance and this i affecting everything. We have never refinance the house and the only reason why we are refinancing now is because out sone is in the XXXX XXXX and we want to visit him. I have tried for the past month to take case of this situation. I have provided every document they have requested. Everytime I call I wait 30 to 40 min. My call gets passed to 2 and 3 reps and still I can not get an answer. I need this problem resolved ASAP. Because this is affecting our lives and XXXX XXXX XXXX XXXX simply does not care. They need to resolve this and take this off this mortgage for all the credit reporting companies.
Complaint sub-issue: Public record information inaccurate

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in 60 days. 
This is not acceptable. Under the Fair Credit Reporting Act, the CRA has a certain amount of timegenerally 30 days but up to 45 days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, 60 days, is not acceptable according to the FCRA Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, 30 days, is the maximum allowable time frame, from the date which dispute was received.
Complaint sub-issue: Problem with rewards from credit card

I have a credit card with Citibank which is cobranded with XXXX XXXX and gives me access to XXXX XXXXXXXX XXXX XXXX XXXX. The annual fee on the card is {$490.00} which I have been paying every year. 

My annual fee is due this year on XX/XX/2020 but because of the Covid-19 Pandemic, I have not been able to use the perks promised by the card. i.e. XXXX  XXXX lounges were either closed or travel has been limited because of the pandemic. 

When I called Citibank to see whether they can waive the annual fee for next year or at least defer it for a couple of months, they refused and would not budge. 

I have not been able to use the perks and rewards promised by the card through no fault of my own and would like Citi to acknowledge and accommodate
Complaint sub-issue: Was not notified of investigation status or results

I mailed a letter to the credit bureau on XX/XX/2021 regarding wrong accounts on my report. It is now 60 days and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation.