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

On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - XXXX, XX/XX/XXXX - Equifax. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XX/XX/XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Equifax, XXXX and XXXX XXXX several times since XX/XX/XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of XXXX, the bankruptcy information is being supplied by XXXX XXXX. XXXX does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the XXXX  website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX Credit Card Services made an urgent request to Equifax and XXXX  Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to Equifax and XXXX. This issue has not been resolve I have been calling Equifax and XXXX  since XX/XX/XXXX and they stated they have not received any letter or request
Complaint sub-issue: Information belongs to someone else

fcra violatons wrong info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show XXXX XXXX Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY SSNs show XXXX XXXX Only variations displayed. Select as many as apply XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX we attempted to make hotel reservations online at a XXXX XXXX hotel near XXXX, XXXX XXXX. We did not receive a reservation confirmation, so we made reservations by directly contacting the hotel. We stayed for two nights, XX/XX/XXXX and XXXX and checked out on XX/XX/XXXX and paid the bill of {$280.00}. On the subsequent billing statement for XXXX, XXXX identical charges from XXXX XXXX for {$140.00} for XX/XX/XXXX that appeared on our statement. We assume these were placeholder charges made as part of the unsuccessful reservation attempts made on that day. I contacted the credit card company as explained these were erroneous charges posted in error, as we had paid the correct charge for the two nigh stay and there were no other valid XXXX XXXX charges. I subsequently submitted a written response to them explaining the error. I also told the credit card company that I had contacted XXXX XXXX to ask them to remove the charges, and XXXX XXXX had not record of the charges. I have subsequently had numerous and lengthy telephone conversations with company representatives where we have gone over the charges together and they have claimed to understand the issue, only to receive multiple correspondence indicating that 1 ) they don't have enough information ( even though I have gone over the dispute in detail and the representatives I spoke with claimed to be taking detailed notes, 2 ) I should have canceled the service ( although as explained, there was no service to cancel as these were erroneous charges for attempted reservations that were never confirmed, or XXXX ) the dispute was not submitted within the 60 days required ( after representatives confirmed on the telephone that my written explanation was in the file well before the deadline and available for them to review during our conversations.
Complaint sub-issue: Personal information

I was going through my credit report and listed on my report is a previous address in XXXX XXXX. I have never visited, or lived in this state. I have always loved in the State of XXXX. I have only visited the states of XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Apparently there is some identity theft or fraud happening, or has happened in my name. I would like this to be investigated thoroughly and some type of report submitted on behalf of my name to clear up any errors or collections that I have no connection to.
Complaint sub-issue: Account status incorrect

XXXX should not be reporting to Equifax and XXXX  a chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently purchased a new vehicle from XXXX, the business manager ran my credit 3 times without disclosing me that he was needing to pull it. The representative admitted his mistake in pulling one and indicated he needed to pull from a separate source which was not disclosed. I filed a dispute with equifax online and after numerous failed attempts at accessing the report on their website was directed to call them. After speaking with a representative of equifax was informed they would not be able to dispute any inquiries despite contacting the creditor whom pulled to have them removed. No where on their website does it state these can not be disputed and was a complete waste of my time. I feel like they are refusing to protect my credit from these inquiries that were unauthorized and need assistance.
Complaint sub-issue: Reporting company used your report improperly

Equifax utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk.
Complaint sub-issue: Account information incorrect

In XX/XX/2019, we asked to apply credit from over paid amounts in the past to our current due payment. The agent at Loancare said they would apply the credit. We paid {$1300.00} and they were to apply a credit of {$140.00}. They never applied the credit and we paid our amount due on time, because the credit was never applied they said our payment was late and now shows on our credit report as a late payment. This is incorrect and an error on Loancare. The phone call was recorded when we asked for the credit to be applied. We have filed multiple times for this to reviewed and is always denied. We have been trying to call since May and have been unable to speak with anyone about the issue or get it resolved. We were able to speak with a manager recently and they also agreed they were in the wrong and listened to the whole phone call. The manager stated when making a decision they dont review phone calls. We are now unable to speak with this manager again as when we are able to get through they state they can not transfer calls to other agents. The phone call needs to be reviewed as Loancare need to remove this late payment from our credit report.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Complaint sub-issue: Debt is not yours

I received this letter from ERC ( attached ) which I have no idea about any XXXX account. The information represents that my personal information has been mistaken with someone else 's or that my credit file and personal identity has been totally compromised. This is a serious matter that needs immediate attention before it is put on my credit report. That would be a fraudulent act by ERC and XXXX as this debt is not mine and could be a result of ID Theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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: Credit inquiries on your report that you don't recognize

Someone was suppose to handle the situation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about the security breach from Equifax. Upon visiting their website to see if I was affected by their gross negligence, I read their terms of use. In their terms of use they require that I waive my right to be part of a class action lawsuit. Not only has their negligence created a 44 % chance that my personal information has been jeopardized, they seem to be bent on protecting themselves rather than protecting the 143 million Americans that their company has affected.
As reparation for the breach, Equifax has offered a year of free identity protection to all citizens of the US. After the year is up, the consumer will automatically be charged to continue the services. 

To add to this monumental act of negligence and the ensuing act of hostility to the consumer 's right to their own information and their knowledge of the safety of their information, there was a {$2.00} XXXX sale of corporate stock by high level executives shortly after the company learned of the data breach, but prior to the breach being publicly reported. This is trading on information not readily available to the public and therefore insider trading.
Complaint sub-issue: Their investigation did not fix an error on your report

The company XXXX finally responded that the account is accurate on XX/XX/18 to CFPB but they would put it on hold until they could verify it with the creditor. That is not true. I do not owe them or the creditor they are collecting for. They also responded that my name is XXXX XXXX that is inaccurate as well. Which shows me that the company frequently makes mistakes. The company responded that the collection would be put on hold and reinvestigated. The collection still shows on my credit report as of today. I would like it removed completely. I have yet to receive anything from XXXX, the credit bureau, or from the creditor to show that the account is accurate. I spoke with the original creditor over a month ago and still havent received anything to show I owe them. This inaccurate account has caused significant financial and emotional harm to me. Equifax has failed to properly investigate the inaccuracy. My rights have been violated and I want it stop now.
Complaint sub-issue: Account information incorrect

I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about XXXX minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX  XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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: Information belongs to someone else

My information was leaked because of a data breach, when I noticed the theft I did not know what to do about it until recently. I tried to resolve it with the Consumer Reporting Agencies but they said all I could do was to put a freeze on my account and put in a fraud alert. The following information on my consumer report is incorrect and was not authorized by me and would like it to be taken off of my consumer report. 

Fraudulent accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE harleys in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/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 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 XXXX ; XX/XX/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 & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Seized or attempted to seize your property

ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Problem using a debit or ATM card

Around XX/XX/XXXX I received a email stating that I would not receive the {$40.00} in disputed transactions I reported as unauthorized. No error occurred is what they tell everyone who files a dispute against them. Ive read the reviews for them and people dont stay with them because they steal their customers money.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.