Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Equifax has continuously been deleting inquiries off of my report and reinserting them without legally notifying me and there are several inquiries on my report that i have disputed and requested to be removed due to identity theft. They refuse to remove them even after a fraud alert has been placed on my account these inquires are causing me constant denials in obtaining any type of credit because there are over 60 of them. I have disputed them on several occasions only to have the results back within 24 hrs stating that they are accurate. How are these " investigations '' being done so fast?? I would like the inquiries removed ASAP or investigated the PROPER way. they are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto finance XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX/XXXX/XXXX Via Section 611 of the FCRA I am to be notified within 5 days of any changes to my credit report . They have REPEATEDLY refused to remove these from my credit. PLEASE REMOVE ASAP.
Complaint sub-issue: Reporting company used your report improperly

The Fair Credit Reporting Act shows violations by the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX This account violates the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report this account. The following account is being reported in error. Please delete the above account ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint involves the XXXX XXXX XXXX XXXX XXXX XXXX any other way that XXXX may be reporting on our credit reports, that on my wife credit report changes were made to the account that lowered her credit score. And the XXXX reporting on my account has been deleted entirely from from Equifax credit reporting. 

Please reinstate both XXXX accounts to our credit reporting and then lock them from being further manipulated. The account was claosed back in XX/XX/2021 and therefore should not have been altered or deleted. And in a phone call into the company confirmed that any changes made to the two accounts would not have happened from them, because they confirmed that they do not alter or make changes to a closed account. 

Can this be fixed as I have already opened a couple of previous complaints on the same matter, but much like with ever other complaint I've filed against Equifax, nothing ever gets any attention or is corrected. So to be clear, there is no need to check with the provider because XXXX did not later the accounts nor would they from what I'm told
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2015 {$0.00}.
Complaint sub-issue: Trouble with how payments are being handled

I have been attempting to resolve denial of payments approved for the PSLF program for years. I previously was paying my loans through XXXX, then they were transferred to fedloan servicing. I have paid my payments on time in full, and because the tranfer, fedloan is denying qualifying payments due to computer or human error on their end. Please see email from fed loan. They state on loan sequence 6, one cent did not apply to payment XX/XX/2015 during tranfer and was applied to the following month. The other loans were approved for that same month. The rules for payment to be applied to XXXX is I must pay in full on time. I did this, and because fedloans error I am being denied. I have attached payments from XXXX showing I paid the full amount in both months. I do not have control over how the payments are applied to loan sequencing. I have additional months they are denying that they will not review or respond about.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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 #, and I'm including it again. Kindly update the following items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

In mid XXXX 2019 I changed my name legally at the XXXX courthouse. Im XXXX, and it is to some extent a matter of personal safety to be able to use the right name on official and legal documents. A few months later I moved to a new apartment and the electric company required a credit check with Equifax to set up my electric. They told me Equifax would not release my report to them. I was able to find a work around by getting them to request my report using my old name, but it wasnt great and had some consequences. Now a few months later I need to access my report because I am trying to pay off some debts and also need to submit it for licensing purposes. I tried to use XXXX  to try to access all three reports, but they told me they were not able to access all of them. They said Equifax had put flags on my report or something. They recommended i call Equifax. I just tried calling equifax to explain the problem. First off, they XXXX  me the entire time which made the experience extremely distressful, even after I told them my new name which is clearly XXXX. Second, they said I had to buy a report in order to change my information. Then after I had bought it, they said they couldnt change the information. They said I would have to FAX them my social security card, birth certificate and all of this other information. Which is frankly XXXX. I dont even know where I would go to find a fax machine. And I dont want to have to send them all that stuff. And so now Im just XXXX I guess. Like am I just going to have to use my dead name forever with them??? Ugh. Anyway ... Yeah. Tl ; dr Equifax is XXXX   and exploitative and needs to get its XXXX together.
Complaint sub-issue: Funds not received from closed account

Simple Bank closed my account with {$3000.00} in it and was then acquired by BBVA. It has been almost a year and I still have not received my disbursement.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself at risk, permanently. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor my account and notify me if any fraud occurs. I did not choose to do business with Equifax nor grant them permission to host my information. I have never had any direct interaction with Equifax, including being notified that they have mishandled my information ( which, again, I only learned of through social media ). 

I do not want to pay a single cent for any measure of credit protection or ability to review my credit report through Equifax, ever. The damage they have caused me is quite literally irreparable.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

This account does not belong to me. I was added as a temporary authorized user and was previously removed by the primary account holder of this account. I have attempted to rectify this issue with the company to no avail or proof providing this account was opened by me and belonged me.
Complaint sub-issue: Debt is not yours

There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts found on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Complaint sub-issue: Was not notified of investigation status or results

I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

After I paid my bill due for XX/XX/2019. I called and the automated system said that I had {$9.00} in credit. A few days later when I called the credit was gone. I spoke with a representative and I was told that after my account was updated to show the credit. I was later given a late fee. The representative sad she would waive it. When I called again the automated system would not even give me any account information. When I spoke with a representative he said that he spoke with a supervisor that again approved the late fee waiver. And that I had {$6.00} in credit. When I called a few days later to check. Again the automated system would give no information. I spoke with another representative ( XX/XX/2019 ) that said I had {$5.00} in credit this time. And that my payment due was {$55.00} or there about. And that my payment sent that day would not post as late. However, when I went online to check none of that information was showing. It showed that my payment was {$73.00} and that I had no credit.
Complaint sub-issue: Problem with personal statement of dispute

In complaint XXXX XXXX XXXX XXXX failed to properly represent my flawed transaction with XXXX XXXX. The merchant misrepresented the equipment being ordered. There was no visual confirmation of the model in question. The equipment ordered by the inexperienced clerk was wrong. The signed receipt of order does not include a description of the item. When it arrived at the store the service manager told us it was the wrong unit. I do not pay for merchant error. I went out of my way and arranged for the equipment to be returned but the merchant was uncooperative. I will not pay for this type of customer service and told the bank at the time not to pay the merchant. XXXX XXXX gave the money away against my objection. I hold XXXX 's responsible for poor judgement. Note in their letter of reply they fail to report these details. This case is also under litigation.
Complaint sub-issue: Trouble with how payments are being handled

I have been trying t o work with FedLoan Servicing for over a year to get my payments credited toward Public Service Loan Forgiveness. I  have certified my employment multiple times and have asked for information  as to when my qualifying payments will be credited. Each time I am advised it will take another 30-90  days. I have been making qualifying payments on certified eligible employment since  XXXX   2015 . I am very concerned about how the new admin will ha ndle PSLF an d would like to see my payments credited appropriately.  <P/> I have called multiple times and emailed multiple times. Each time I have been assured that my payments qualify, but that it just takes time to be credited.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$11000.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a XXXX and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CASHCALL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$36.00} ; XXXX XXXX  Balance : {$36.00}
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 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consummer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Complaint sub-issue: Account status incorrect

I, XXXX XXXX, consumer and natural person took out a student loan on XX/XX/XXXX in the amount of {$2000.00}. That amount was consolidated in XX/XX/XXXX. The account is reporting negatively to the consumer reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

ive sent multiplie notices ftc statments, police reports regarding accounts that do not belong to me. I believe these accounts to belong to my father XXXX XXXX XXXX. I have never been in the XXXX or had A XXXX XXXX  account. 

Ive sent 3 sets of letters requesting the unverified / fraudulent information be removed. 
I have all of the certified mail reciepts and documentation. 

XXXX  replied back and said that I have provided them written letter saying those accoiunts were mine!!! I never did that! 
these accounts are from 2011 anyway and seem to be to old to be reported.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. The Intruders accessed names, Social Security numbers, birth dates, addresses drivers license numbers, and credit card numbers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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
Complaint sub-issue: Account status incorrect

Hello, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. 

I pulled my report and it seems there is a collection report reporting OPEN and 120 days late. Well i have been doing research and i know this is impossible for a collection account to be late. i also know it is a violation of FTC. 

Please remove this account from my profile immediately. 
XXXX Credit Report Reference Number is XXXX
Complaint sub-issue: Problem using a debit or ATM card

I had disputed 3 transactions that the merchant advised me to dispute with the bank. Bank advised they were issuing credit. Never r ceived. Then they charged me a XXXX dollar fee for using a different atm. I would like my money back as well as my credits for Charges for items I never received. Every rep gave me misleading information and I would like this fixed