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

I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.
Complaint sub-issue: Information belongs to someone else

I sent XXXXXXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and Equifax are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when Equifax and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also Equifax has added the XXXX alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Complaint sub-issue: Reporting company used your report improperly

When i went to apply for a car XX/XX/2021 the company told me that they were only gone run my credit for one place and they ran it for numerous of loan places which caused my credit to go down badly.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Credco, Has lied in its response! It also has failed to provide a timely response to supply me with my file data it is currently providing to its subscribers in nanoseconds digitally! Credco has requested 60 days to reply and send my data file as a stall tactic! It is sending, sharing and distributing false data about my private, personal finances and other PII without my authorization to anyone that asks, and self-states they have a legitimate purpose for requesting the data. Credco does this without auditable verifying procedures or processes to prove the legitimacy of their subscribers purposes. They do not verify whether or not their subscribers indeed have been authorized by the consumer to receive the consumer 's PII. Further, Credco describes themselves as a data aggregator they're just a provider of information from other sources and will not be held accountable for the accuracy of the information they provide to anyone asking for consumer 's PII. They are harming consumers and have harmed me by providing fake, false and inaccurate information to their subscribers. Credco provides this information without providing a reasonable process that doesn't further violate the consumer 's rights to protect their signatures from Credco 's wholesaling of the consumer 's signature to its subscribers as yet another data point for sale. Credco is a corrupt organization morally absent of any integrity or ethics for ensuring any degree of accuracy in the PII data it shares is actually accurate. It perpetuates the selling of false, fake and unverifiable information without consequence and against both CA State consumer data privacy and protection laws and Federal consumer protection laws.

It is ridiculous for the CFPB to allow this corrupt CREDCO organization to get away with its delay tactics when it is providing daily false information in nanoseconds electronically to anyone that asks about my information. CREDCO 's conduct must be investigated. It is my expectation that CFBP will do its mandated job and require CREDCO to send me my data file including all data sources, sharing and selling to whom, when, what, why and where of all of my data right now and without further stall tactics and delays. CREDCO must be held to account and forced to release my information immediately as it does electronically to its subscribers daily. No further delays should granted to Credco.

This stall tactic of requesting 60 days is a fake stall tactic. This company is providing fraudulent information that is harming my life daily. It can and does provide my PII data file to any one that asks and subscribes to its fees instantly and electronically.

PLEASE DEMAND the Corrupt CREDCO to provide my file as requested!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit report is showing a XXXX XXXX XXXX negative account on my credit report as active because the XXXX XXXX XXXX posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows XXXX XXXX XXXX which got sold to XXXX in XXXX, XXXX XXXX shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.
Complaint sub-issue: Can't get other flexible options for repaying your loan

To Whom It May Concern, I have have tried reaching out to the XXXX XXXX XXXX for several years but to no avail. My current private student loans are being serviced through AES. The AES reps can not and will not provide lender contact information. I am beyond struggling to keep up with my monthly payments. I have asked on numerous occasions if my monthly payments and interest rates can be lowered but to no avail. I am told that I no longer qualify for repayment assistance. I was also told to write a letter to my lender which is XXXX and that AES would forward it on my behalf. I have yet to get a response and every time I call AES they are unable to provide an update or they say that the request is " on hold ''. In addition, the amount of money that I have paid in interest alone is beyond disrespectful. It is highway robbery and I feel I am undergoing financial XXXX! According to one of my private loans, I have currently paid about XXXX with XXXX being applied to interest and the remaining XXXX only applied to the principle balance. I am to the point where I have to worry about whether or not I pay rent on time, eat a decent meal or pay my loan on time. I need help, and it is only right that the lender work with me as I am trying my best to remain in good standing. Also, I believe that this is a case for predatory lending. At XXXX old when I signed the promissory note ( 1 ) I had no idea what kind of trickery I was signing. Iwas simply a young girl excited about furthering my education because I did not come from a family that could afford to pay for my education ( 2 ) I went to college with the hopes of graduating with a decent paying job, but the economy and has fail me and millions of americans. Times are hard and this is an epidemic that is affecting the majority of adults today. Again, I need to speak to someone at XXXX XXXX XXXX directly. I can no longer trust or wait for AES to handle this matter. I simply would like to lower my monthly payment and interest rates so that I can live a decent quality life.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I am a person who has been a victim of a compromised identity in which several accounts were fraudulently established one of them being a XXXX  card services account and which I am disputing from the CRAs all of which have been removed except for one with one reporting agency. I have been communicating with XXXX  and as of yet they have not remove this from my credit profile even subsequent to me faxing over the FTC report and a police report. Over the last two months I have also be getting a bill for the same amount owing to XXXX  from this so-called attorneys company which I believe is a collection company that XXXX  sold the debt from that fraudulent account in my name to this collection company who is now harassing me with the mail as well as XXXX
Complaint sub-issue: Can't use card to make purchases

DECLINING TRANSACTION FOR A LIMITED EDITION HAND BAG WHEN THE AVAILABLE CREDIT IS THERE AND I CALLED CUSTOMER SERVICE AND THEY CAN CARELESS! IM OFFENDED BY THIS TYPE OF HARRASMENT
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.
Complaint sub-issue: Debt is not yours

ask them for proof of original document with my signature where i did business with them. From 2021. This company has ruined my credit with this ....
Complaint sub-issue: Problem getting report or credit score

In XXXX 2015, I filed several disputes with and against Equifax with the CFPB. 
Prior to investigating and resolving the disputed issues, Equifax sent a credit report dated XXXX XXXX, 2015, showing no actions were taken in regards to the disputed items. I again disputed the inaccurate items and requested a copy of my Equifax credit report showing the correction were completed. Equifax is refusing to send my a copy of my corrected credit report and credit score. Per Equifax I received my free annual credit report on XXXX XXXX, 2015, which I did not request a copy of my free annual credit report I disputed inaccurate information on Equifax credit report. Under the FCRA I am entitled to a copy of my credit report showing the disputed items have been corrected and no additional information was changed during the process and Equifax is refusing to sent a free copy of the report. The consumer should not have to pay to see correction that were created by the very same credit reporting agency. This is a scam to charge the consumer to see a corrected copy of their credit report and a clear violation of FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$9100.00}
Complaint sub-issue: Was not notified of investigation status or results

I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.
Complaint sub-issue: Account status incorrect

Dear CFPB : I am writing to complain about EQUIFAX 's failure to resolve a simple dispute about XXXX account. Dispute resolution does not mean contacting the offending party and wholeheartedly concluding their erroneous position prevails over reason and rationality. This is what EQUIFAX 's dispute resolution is all about. All t they do is contact the breaching party that is responsible for the mischief, and upon hearing from them, take their position as sacred and conclusive. There is nothing conclusory or sacred about misrepresentation. Evidence shows that the other XXXX major credit bureaus, XXXX and XXXX, concluded that XXXX is the breaching party. Both XXXX and XXXX Bureaus have expunged XXXX account more XXXX   months ago because of misrepresentation. There is a reason why XXXX and XXXX have reached such a correct decision to expunge XXXX. EQUIFAX, however, knowingly and purposely tries to evade, deflect, harass and use red herrings in fulfilling its duty under the law to resolve disputes. EQUIFAX is exceedingly stubborn about resolving this issue. It stonewalled and roadblocked every legitimate dispute that I submitted to them. They decided to ignore my CFPB complaint. Their conclusion is nothing short of frivolous assertions of trickery and waste of time. I denounce these games in the strongest terms. In the latest incident, they added more negative information on my credit report. This is unlawful conduct. EQUIFAX has a legal duty to investigate disputes and resolves them before smearing someones reputation Here, EQUIFAX fails to resolve the dispute, which amounts to defamation. EQUIFAX did not do its job in resolving the XXXX listing in line with XXXX and XXXX. I did not ask EQUIFAX a favor. I am asking EQUIFAX to be consistent with XXXX and EXPERIAN. This flaw that my EQUIFAX XXXX Scores to be lower than those of XXXX and XXXX by at least XXXX points. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings. I also call EQUIFAX to be neutral when disputes arise. Do not call XXXX for me and copy their erroneous data supply. You can not be vested heavily in one side of the disputing parties. Neutrality is a paramount requirement for every dispute resolution. This is unacceptable under the United States Commercial, Securities, and Reporting Laws. In conclusion, EQUIFAX is in flagrant violation of the United States Consumer Protection, Fair Competition and Civil Rights Laws. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602 A which states thatI have the right to privacy. It also states in 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish your account without my written instructions.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score fcra violations all above
Complaint sub-issue: Was not notified of investigation status or results

I am hoping you can help me with my issues I am having with some creditors. I have a debt with both XXXX XXXX and Home depot. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last XXXX of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " one '' not " three ''! I only gave permission for 'one ' credit inquiry. Please delete three from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have mailed letter to equifax 5 times over 2 to 3 months to show under section 611 the method of validation on XXXX XXXX XXXX acct ending in XXXX the acct show validated but this is not correct. They will not respond to section 611 for request for method of validation. and have not contacted me on all letters in over 90 days.
Complaint sub-issue: Indicated you were committing crime by not paying debt

A sketchy letter was received on XX/XX/2021 that a debt collection company XXXX demands my mother to pay a debt amount of {$250.00} due to a company she does not own at all. No company name was given and my mom does not have any company. The website given was not secure and a complete scam. There was no clarification about the company my mother owned and their was no real address or phone number.
Complaint sub-issue: Information belongs to someone else

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX - XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Complaint sub-issue: Problem with balance transfer

On XX/XX/XXXX I applied for a Citibank card with a balance transfer of {$3900.00} to my XXXX account. 
The balance transfer never posted to the XXXX account. On XX/XX/XXXX,  while on vacation, I received an email from Citibank saying my statement was ready with a balance of {$4000.00}. I called Citibank to inquire when the balance transfer would be completed. They informed me that the transfer had cleared the bank on XX/XX/XXXX. After 23 minutes on the phone they said they were placing an investigation ( ref XXXX ) they insisted I needed to call XXXX to have them find the funds as they had posted to someone else 's credit card account. 

I called XXXX and asked for help and was told if I could get them the bank account number the transfer had originated from they could find the funds and correct the issue for me. 
I called Citibank back and had to request a supervisor as the operator couldn't understand the difference between my 16 digit credit card number and the bank account the transfer came from. ( I also never received the Citi card )XX/XX/XXXX I called Citibank back to check up & was told it was my problem to work out as the funds had cleared the bank. It took more than 30 minutes to get a supervisor on the phone who finally understood the funds weren't put in my acct but were credited to a strangers account ; she wouldn't give me the bank account number XXXX had requested to trace the payment but stated she would call me back and I still haven't heard from them. She did tell me the cc number the funds were applied to so I called XXXX back, they can see the pymt but since it isn't my account they need a transfer transmittal report from Citibank. After another 21 minute call they recorded what i needed but told me I have to wait to be called back. 
Citibank 's inability to understand a simple mistake and provide resolution for the customer is resulting in the worst customer service issue I have ever experienced.
Complaint sub-issue: Reporting company used your report improperly

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU EQUIFAX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Complaint sub-issue: Personal information

The Equifax report contains an incorrect address. This address needs to be removed from the report as it is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Account information incorrect

MY HOME DEPOT CC # XXXX LAST TIME WE CHECKED OUR LIMIT IS NOT {$2000.00} > SHOULD BE {$10000.00}.