Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

I have a Credit Freeze with Equifax XXXX XXXX XXXX XXXX, XXXX GA XXXX. I applied and paid at the Equifax website for a temporary lift on XXXX/XXXX/2016 that I could submit to a bank to process a credit card application. Equifax would provide the required information in a PDF file but the Equifax website crashed with a software error ( something to the effect that it could not start XXXX reader or similar ) and did not produce the PDF file with the information. 
Equifax does not provide a customer phone number ; Equifax does not provide an email address ; so there is no way to communicate with Equifax to either have a refund and try the request again, or for Equifax to allow to try the request again, or for Equifax to simply email the PDF file. 
The Equifax website will provide a customer phone number only if you have an account with Equifax but to have an account with Equifax you must have purchase a product or a service from Equifax. The fact is that I do have purchased and paid for XXXX product/services with Equifax : I purchased and paid for a Freeze product, and I purchase and paid for a Unfreeze product but Equifax never provided an account number for those product/services. 
Equifax only provides a XXXX XXXX XXXX number for resolving this issue. This is not acceptable because the bank credit card application for which I need the unfreeze report has a time limit and postal service resolution is not a viable alternative. 
This is a deceptive and shady business practice by Equifax. Clearly the intent is to discourage the use of credit report freezes. Equifax should provide a way to resolve these issues in real time either by providing a phone or an email address.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Equifax sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EQUIFAX the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EQUIFAX is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. Equifax is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate information
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax did not comply with the FCRA regarding the legitimacy of a FTC Identity theft report and refused to block the account that was determined to be fraudulent. I have sued them regarding the same issue before, and I will again.
Complaint sub-issue: Deposits and withdrawals

So basically my ATM card was stolen and there was an attempt to deposit a check into my account. Upon this transaction, they also withdrew {$100.00}, which is unbelievable because there was only {$.00} in the account. As soon as I seen this I instantly locked the card and my account was quickly frozen. I called KeyBank and the fraud department because I was expecting to receive my paycheck that Friday. Because of the {$100.00} withdrawal, my account was charged fees because it was overdrawn making it {$110.00} in the negative. Once my check posted, that negative balance was applied to it so now Im out {$110.00} out of my paycheck. I just need help and answers.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}
Complaint sub-issue: Account information incorrect

I recently opened an account with XXXX. Shortly after opening the account, I paid the balance off in full. I recently pulled my credit report and discovered XXXX is still reporting the account to the credit bureaus with almost the full balance. I filed a dispute through the credit bureaus advising them and XXXX that the account was paid in full. XXXX responded by denying that the account was paid in full. Because of XXXX 's response, the credit bureaus refuse to update or change my credit report. This is causing damage to my credit because it inaccurately reflects a debt owed during a time that I am trying to purchase a home.
Complaint sub-issue: Received bad information about your loan

Long story short. I am due a refund from pslf loan forgiveness and the dates are very wrong. They want to refund me from XXXX of 2021 till now. I know for a fact they owe me from XXXX of XXXX not XXXX of XXXX so I filed a complaint. Nothing was ever done or resolved and they closed my case! This is not over and I have filed another complaint with the us dept. of education. I also sent a notice to Attorney General of NYS. I also had the ombudsman group work on it and they also did nothing and closed my case. My loans have been forgiven but they have not refunded my over payment.
Complaint sub-issue: Sent card you never applied for

On XX/XX/XXXX, I received a credit card in the mail from U.S.BankReliacard.com. 

The card was issued to XXXX XXXX, my former name prior to my marriage 5-1/2 yrs ago. I have never banked with U.S. Bank or requested this card. 

How can this happen?
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been writing letters to this company for more than two years. I 've made several request for this company to  investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General XXXX XXXX are still not in place even though TWO YEARS has already passed. <P/>Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Complaint sub-issue: Old information reappears or never goes away

Equifax : false, contradictory, and incorrect information on us is sent to potential lender. We don't have access to that information. The credit report that we receive is different than the ones they get. We paid lawyers and a credit repair company to sort this out. Much of what they were able to do for us was dumped back onto our credit report when Equifax was hacked. 
Our personal information has been compromised so many times that we can not trust any information listed there. Our supposed accounts have been sold off to companies we've never heard of trying to get money that we don't owe.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF INACCURATE LATE PAYMENT AND FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Information belongs to someone else

These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, Equifax and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.
Complaint sub-issue: Account information incorrect

The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.
Complaint sub-issue: Was not notified of investigation status or results

I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX XXXXs past 7 years on both accounts. XXXX XXXX XXXX  XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?
Complaint sub-issue: Information belongs to someone else

In my XXXX credit report shows that there is a lease from ( cima credit XXXX  ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.
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 AND 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: Can't get other flexible options for repaying your loan

Fed Loan improperly denied my PSLF using wrong or inaccurate applicaiton criteria. I submitted on more than one occassion my employment verification, they did not apply my prior payments in all plans as set forth by the Department of Education. I have followed all of the steps set forth by the Derpartment of Education established in XX/XX/XXXX, under the temporary waiver for PSLF. They do not communicate with me, despite emails and phone calls. I am submitting an appeal that will likely be disregarded. Per the temporary waiver criteria I have calculated I have made at least 101 payments towards the required 120. I demand credit towards the PSLF. I want an immeidate correction to the applicaiton I submitted on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX Date Opened XX/XX/16 XXXX {$580.00}
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the XXXX XXXX XXXX that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

{$2900.00}  XXXX   XXXX ,    2017  What I am not understanding is why Citi Bank is saying that the  Merchant  is stating that they will provide service and that was not my complaint. Also the merchant and their representative  XXXX  have told me several times that they would give back the monies however that CitiBank needed to process it.     This identical issue has happened with another person with the same resort and all monies have been refunded because the credit card company actually listened to the case in it 's totality and spoke with the merchant and they both agreed that monies would be returned and they were..
Complaint sub-issue: Denied request to lower payments

Contacted VW immediately after they gave me this loan. Letting them know, in the future I would be unable to make these payments. I called them again on XX/XX/2019 and the agent lied to me and said there was nothing they could do to restructure my loan. In fact, they have lied almost the entire year I've had the loan about this " fact. '' XXXX XXXX called me back after I hung up out of frustration and was abrasive on the phone, and continued to perpetuate the lie. I heard loud cackling and hysterical laughing in the background. Clearly I was the XXXX of their awful joke. 

I was put into an unaffordable loan, from day 1 with no regard for my budget or ability to pay the loan on a fixed income. All of these were disclosed when I made the purchase. 

I need to restructure my loan so that I can keep my car. Which I'm living in with my cats. I have appealed to VW Credit on multiple occasions. They know my situation and could not care less. I'm in jeopardy of losing my vehicle, which is also my home, due to the predatory lending practices involved.
Complaint sub-issue: Debt is not mine

repetitious phone calls intended to annoy or abuse