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

I requested my annual free credit report from Equifax earlyXX/XX/XXXX. I received a letter stating that they needed identification data to process the request, dated XX/XX/XXXX. I sent the documents with the letter to the company - should have been received by mid XX/XX/XXXX. I called the company on XX/XX/XXXX to follow up. They had no record of my documentation. They could not even contact the mail room to ensure my documents were received. At this point I believe my documents are being processed erroneously. I did get a fax number for the company and faxed the documentation with a cover letter that day. I waited until XX/XX/XXXX to follow up with Equifax ( as I was told it would take 48 hours ). That was false. I was on the phone with XXXX and XXXX ( a supervisor ) and was told that the 48 hours was only how long it would be to upload the documents. Equifax still does not have record of my documentation. XX/XX/XXXX. I received an email stating " Equifax has completed your dispute for Confirmation Number XXXX. '' This is actually false as well. They updated my file stating I have a dispute but that is all. I was not able to upload my documentation to the web email to Equifax. This is yet another failure on the part of Equifax. I called Equifax, ( XXXX  and XXXX  ) and got a secondary fax number and sent my documents for a 3rd and 4th time today, XX/XX/XXXX. This entire process is unacceptable on the part of Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX  reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.
Complaint sub-issue: Reporting company used your report improperly

1. In accordance with the Fair Credit report Act 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.
Complaint sub-issue: Problem with personal statement of dispute

I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information was used without my consent
Complaint sub-issue: Was not notified of investigation status or results

I have disputed the following accounts numerous times with Equifax ; 1. XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$2000.00} ) 2. XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$3300.00} ) 3. XXXX XXXX ( Opened XX/XX/XXXX, Balance {$8400.00} ) 4. XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$130000.00} ) 5. XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$7800.00} ) 6. XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$2500.00} ).

7. XXXX ( Opened XX/XX/XXXX, Credit limit {$1800.00} ) 8. XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$6900.00} ) As allow by the FDCA I asked XXXX  to provide me with the method of verification or with any proof that shows that they verify this accounts but to this day they have ignored the law and failed to answer to my request.
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/XXXX I received a. Call from my brother stating that someone called him stating that they were going to sue me If I do not contact them. This was the 1st time I heard about the debt. I called the Texas phone number given and a lady answered stating she was with Meridian ARG. She said that I owed {$860.00} to XXXX XXXX. I asked for more information and asked why I didnt not receive any type of written information. I told her I do not have any accounts with XXXXXXXX XXXX nor do I recall ever banking with them. She could not provide me with the dates of this debt. I told her I would need written proof of the debt before I would be willing to resolve the issue. I also told her I am currently out of state at a 5hour time difference so I would contact her once I got true verification of the debt to get it resolved. She provided me with the number to XXXXXXXX XXXX and the account number. I called XXXXXXXX XXXX the same day and spoke with a customer service representative who gave me a number for the collection department. She told me I had an account in XX/XX/XXXXto amount with fees that were owed was {$530.00} and that the account was sent to a collection agency that went out of business. She also told me to verify the business due to the debt being wrote off with them and the agency not existing ( this was all on a recorded line ). I then received a call and voicemail from the lady with XXXX XXXX at XXXX stating that i have failed to voluntarily rectify and will be served to appear in court in a state I Am not in, however if I call I can stop the process. I pulled my credit as well as it was not on any report. 
They have yet to provide me with any proof of my obligation or of their validity as a company.
Complaint sub-issue: Account information incorrect

15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates that has been EMAILED with this information are well over 21 days BEFORE my payment due sate which is the XXXX of every month so in which none of my payments should be counted as late. This is the law i did not just make this up.
Complaint sub-issue: Their investigation did not fix an error on your report

RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX " Picked up at a postal facility at XXXX pm on Tuesday XX/XX/2022 '' Dear Equifax, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX pm on Tuesday XX/XX/2022, I am now DEMANDING that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Names and Account Numbers : XXXX XXXX  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 Pursuant to 15 U.S. Code 1681c2 ( a ) : Equifax shall block the reporting of 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 ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME. 
15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.
Complaint sub-issue: Information is not mine

Lexis-Nexus had erroneous information on my driving record which affected my Auto Policy through XXXX. I had to file a request to receive the false reporting via their auto system. When it came, and I contacted them to dispute it, I had to wait 1.5 hours on hold to finally get someone. She cleared it up w/ in 3 minutes - but not before I wasted all my time doing this. In addition, my auto renewal policy will become due prior to them correcting their false accusations, so I will have to pay a premium on my policy for renewal. Really, really disappointed. This needs to be addressed as I 'm sure I 'm not the only one being effected by their incompetence.
Complaint sub-issue: Reporting company used your report improperly

My credit report was obtained by companies I didn't authorize nor benefit from. There are multiple violations within pulling my credit report without my authorization including the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer or Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I would like the fraudulent inquiries removed off of my credit report immediately. I feel as if I am being taken advantage of and mistreated as a consumer.
Complaint sub-issue: Account status incorrect

I have a loan for a recreational vehicle through bank of the west. I have had this loan since XX/XX/XXXX. This is a joint loan with myself and my wife so it affects both of our credit scores. I have made 15 on time payments for this loan with the exception of a reported 30 days late  payments for XX/XX/XXXX. I call them every month to pay my loan so that I can personally make sure it is taken care of. I used XXXX  for my bank at that time who decided to perform IT updates that whole week so their website didnt crash. Anyone who has used XXXX  XXXX  knows they randomly mess with updates and freeze accounts for random periods of time so I no longer use them. I called on the XXXX of XXXX which is when I make my payment each month and they said it went through. As far as I knew my payment went through. I assumed it was taken care of just like every other month. I work a lot so I dont check my checking account everyday or even once every 4-6 days sometimes. I received a phone call from bank of the west after my grace window had closed stating that my account was past due and will now be reported delinquent. I then tried to log into XXXX but I received an error saying they were updating their system so some normal banking operations will be unavailable. I didnt realize that meant my funds were unavailable to pay bills!? So I then made a payment from a separate checking account with a different bank and this time it went through no problem. I then asked bank of the west if they would take that late payment off since it was clearly a banking error to which they declined to do anything. This lowered mine and my wifes credit score 95 points in a single day. I have several different revolving credit accounts including a mortgage that I have never been late on. This one single late payment is preventing me from obtaining access to auto loans and personal  loans/lines of credit and it is causing undue hardship on myself and my wife. I have called bank of the west and even disputed this information on my credit report but it will not go away. I dont believe what they did was right and I am reaching out to CFPB for help.
Complaint sub-issue: Investigation took more than 30 days

CRA not in compliance with FCRA & FCPBA this investigation is taking longer than it should.
Complaint sub-issue: Problem using a debit or ATM card

I am no longer able to link my account with my XXXX  app. This is frustrating I should have that right to link my account ...
Complaint sub-issue: Debt is not yours

XXXX XXXX has been trying to collect a debt that is invalid for several years now. The debt is for the amount of {$190.00} for unreturned equipment. I sent the debt collector proof on multiple occasions that my XXXX equipment was returned to a XXXX store on XX/XX/2021. I sent receipts. I followed their guidelines exactly to return the equipment. I emailed them on XX/XX/XXXX and sent a physical letter a few days later. Now it looks like a new collection agency took over this account and are trying to collect again.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all XXXX credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According 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.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX
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, 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: Information belongs to someone else

Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. Equifax, XXXX, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. Equifaxs automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.
Complaint sub-issue: Seized or attempted to seize your property

My car was damaged severly, I made the decision not to repair car or report to my ins.co.the car was picked up less then 24hours after accident.when my towed truck went to pick up vehicle, the vehicle had been picked up by another towing company.Ally Fin. [ title holder ] contacted me around XXXX and asked me what was my intentions on picking up car, I advised them that I no longer wanted the car and I would continue to make ontime payments as agreed until paid off.I was advised by them that I would not be allowed to make online payments in the future and would have to XXXX XXXX payment.When I called on XXXX to get info on making XXXX.payment, I was advised that car had been repo from junkyard and I owed additional fees.At this point I did get a little upset and XXXX.payment was late maybe about 12 days.My complaint is I have a Repo on my credit report, also co-signer has repo on his report, I feel I didnot break agreement with Ally in any way, car was insured, not behind on payments ( I am still making ontime payments, If I was advised upon first phone call from Ally, that I would need to pick up car from towing company or I would face repo, I would gladly have done so, I would like to payoff original amount which is around $ XXXX.as of today and have repo removed from my and co signer credit report upon final payment.I am not behind on payments to this day.Your help in this matter is greatly appreciated.XXXX XXXX
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. Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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: Credit inquiries on your report that you don't recognize

ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Threatened to sue you for very old debt

I was garnished by a collection agency in XXXX of XXXX. Upon further investigation by me I found out that this debt was lumped together so that the Court would not know that the outstanding debts were filed XXXX years previously under case no XXXX and that the debts were " Statute Barred '' under the Limitations Act of 1980. Some debts were from XXXX and had been dismissed. On XXXX, XXXX XXXX XXXX ruled that case would be dismissed for lack of prosecution on XX/XX/XXXX and that the case not be reinstated. I filed Kansas Open Records Request with XXXX XXXX XXXX and they had a very hard time explaining to me how the records and fines did not correlate with the records tha CBK filed with the Courts.