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

I opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : //equifaxconsumers.XXXX  I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. This shows that Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). 

This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation.

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Equifax if this is not resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

The Creditor were created to ruin the consumers LIFE and get paid. 

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?
Complaint sub-issue: Add-on products and services

XXXX has automatically enrolled my card to " protection '' that charges XXXX dollars a month. I never signed up for this protection. After research o came across many people having this issue. Apparently XXXX is automatically signing you up for a protection. I came across it as I asked my self why my bill has not lowered that's when I noticed the fee. I've payed more for that " protection '' than what I actually owed. XXXX dollars. Since XX/XX/2009 I never actually checked because I trusted to just be paying the minimum. I called the card protection and cancelled, but XXXX   should not be doing that, they should be giving the money back at least a percentage of it.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to pull both my credit report and credit file and was given the message from XXXX, XXXX and Equifax that using my social security number, that I would not be able to retrieve my consumer report and file.
Complaint sub-issue: Transaction was not authorized

Hello, Im XXXX XXXX. I have a PNC SmartAccess Prepaid Card Account. I have serval charges to my account dating back to XX/XX/2021. In XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I have serval transactions adding up to around XXXX & XXXX ( XXXX )!! 
I disputed almost all of these transaction and I canceled my card because these transaction were not authorized by me. I believe someone had all my card info, it wouldnt be hard for someone to make unauthorized transactions with PNC Smart Access Account because everything needed to make a purchase is right on the card. The only info you need to make a purchase with my prepaid card that is not actually on the prepaid card is my billing Zip Code or address and if it was someone I know that stole my card info then they know my address & could make any transactions/purchases! I know I didnt make these fraudulent transactions and I dont understand why my disputes were denied, with whats going on in the world today I definitely need my money back!!! And whats the point in having FDIC insurance if I cant get money back that was technically stolen from me?!? 
Thanks in advance I really hope something can/will be done about my money!
Complaint sub-issue: Can't temporarily postpone payments

I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this?
Complaint sub-issue: Personal information incorrect

I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status

I opened an account with XXXX XXXX when I lived in XXXX during the XX/XX/2014. I moved out of the apartment and back to XXXX during the XX/XX/2014. In XXXX, I received a bill from XXXX regarding a balance on the account. I paid the balance in full and closed my account. I never heard from them again. It is almost a year later and it is registering on my credit report that I have an amount out on the account that has gone to collections. The company has acknowledged the fact that I called to cancel my account in XXXX. If this is the case, how am I carrying a balance on an account that was paid in full and the account was closed? I paid the amount because I do n't want it on my credit history, but I did n't allow the account to go into collections. They did it without my knowledge.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

See attached, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, I disputed the validity of 3 accounts being reported to my credit by this company. ( acct # XXXX, acct # XXXX, and acct # XXXX ) I requested validation in writing. This company never responded. I have never received a collection notice from this company advising my rights to dispute. After my 2nd credit report dispute and written letter sent in XX/XX/XXXX demanding them to cease collection efforts and remove their tradeline from my credit due to FCRA violation, they finally responded advising the following : " My company believes the law in question only applies " if the consumer notifies the debt collector in writing within the thirty-day period '' of when the debt collector sends notice of the right to request validation '' The information they sent me was not complete and I feel that I should not have to continue back and forth with them as it has already been 7 months and they have had ample time to respond and provide complete proof of the debt as I had originally requested. I did my due diligence and they did not. 

If they NEVER sent me a letter advising of my right to dispute, how could I be aware? 
I was first notified of this debt when I took the initiative to pull my credit in XX/XX/XXXX. I immediately contacted them and requested validation and gave them 30 days to respond. They failed to respond. I believe this account has frivolous charges on it that I never agreed to and I also do not agree with the services that they claim they are billing me for. They have not provided me with a signed document that states I ever agreed to the fees they claim I owe. 

Their response to me is not a true statement per the FCRA. The law states if they do not validate the debt when requested and within a reasonable time frame, they must remove their tradeline. The FDCPA states if they can not validate the debt then they must stop collection activity and close the account. This company 's opinion of the law doesn't excuse them for not complying with FCRA and FDCPA requirements. I gave them a fair amount of time to respond and they did not bother to respond until 7 months later after another written letter was sent to them threatening further action if they do not remove this from my credit and stop collection activity. I will also be filing a XXXX and attorney general complaint against this company as well as seek legal action for failure to follow the law.
Complaint sub-issue: Personal information incorrect

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MY NAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX. SS XXXX DOB XXXX. I HAVE STARTED ON A NEW BUSINESS AND WHEN I LOOKED OVER MY FULL REPORT I SEEN THAT THERE were SEVERAL ERRORS! PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. 
PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXXXX/XX/XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Date of last active XX/XX/XXXX There are multiple errors in the listing that are damaging to me including high credit, date last of activity and a date of last payment. Please update for lawful accuracy or delete immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed multiple disputes with Equifax regarding fraudulent inquires on my credit report. I have filed disputes in writing, by phone, and online. I have also included a copy of the FTC Identity Theft Report clearly outlining the fraudulent inquires. However Equifax refuses to remove the fraudulent inquires.
Complaint sub-issue: Threatened to sue you for very old debt

Company is a third-party debt collector ; attempting to collect on a debt that has passed its statute of limitations.I have relayed letters to the company, to notify them of my consumer rights and in an attempt to have the blemishes removed form my credit report. Even after recieving my letter, the company continues to attempt to collect and is damaging my credit, while taking no regard for the federal and state statues that apply to my situation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked the three major credit bureaus To remove the bankruptcies off of my report due to the courts not reporting public records such as bankruptcies to any credit bureaus and do not furnish them any types of information about bankruptcy cases to the bureaus. I have asked multiple times and they wk not remove this information.
Complaint sub-issue: Information is not mine

I HAVE BEEN TRYING TO FILE A DISPUTE BUT I CANT ANSWER ALL THE QUESTIONS AND ITS VERY SUSPECTUAL THAT SOME OF THE THINGS THEY ARE ASKING ME HAVE BEEN DONE BY SOMEONE
Complaint sub-issue: Problem getting your free annual credit report

I received a letter from Equifax regarding a new address on my credit file which differs from the information they have. I called the phone number provided to inquire and provided name, address, SSN, DOB, and was asked to provide additional information. I then provided credit card information such as issuing bank, last statement balance. Then I was asked to provide previous addresses, employer and previous employers and was still told that I could not receive my free credit report, even though I asked that it be mailed to my home address. The issue here is that Equifax sent me the letter about an address change. I have lived at the same address for 40 years. The address they had on file is my work address. How did they get that information and why do they have incorrect information in my file. I can not even get a copy so I can dispute the information. I filled out the information in their online credit report request site, but received the message that the report could not be downloaded at this time. Equifax refused to give me my free annual credit report as required by law. They would not mail it to my home and it was not available for download.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 instruction
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Spoke to numerous representatives in which I set up payoff amount early so my loan could be paid in full & not be reported 30/60 days late. They stated numerous times the membership was late but my loan wasnt & my credit report would not be affected. They lied. My report has listed 60days late in XX/XX/XXXX when the loan was paid off in XX/XX/XXXX. Also they refused to let me pay loan with another checking account which belonged to me. They refused to look into this matter when I reached out to them. They stated file a dispute
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Report Act XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602A I have a right to privacy 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not Furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXX-the address they listed is a public college dormitory that belonged to XXXX XXXX University and was sold to XXXX  XXXX University at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.
Complaint sub-issue: Their investigation did not fix an error on your report

I simply asked Equifax to follow the law in section 605B of the fair credit reporting act. That particular section deals with identity theft. The law is very clear on how the CRA is supposed to act once they get the 4 parts of the law that I'm supposed to comply with. Equifax simply breaks the law and those not give any valid reason of how or why they do this except they feel they are above the law and that their policies can re write the law. I have complied with section 605B of the FCRA many many times and Equifax has yet to obey the law and remove the fraudulent items for over 4 years. I am asking Equifax to obey that particular law.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2019, an unauthorized charge of {$100.00} was made from Best Buy to my Citi Mastercard. I did not authorize this charge. Best Buy and Citigroup are both giving me the runaround. I just want the charge reversed.
Complaint sub-issue: Information belongs to someone else

A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX Bank, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.
Complaint sub-issue: Billing problem

From  XX/XX/XXXX  to  XX/XX/XXXX  all of the transaction history of the lease billing and payments appears to be correct. The problem started on the  XX/XX/XXXX  billing statement ( with a due date of  XX/XX/XXXX  ). For an unknown reason, the  XX/XX/XXXX  billing statement displays a past due amount of {$1.00}. I called VW Credit on  XX/XX/XXXX  and spoke with  XXXX .  XXXX  was not able to determine the reason for the past due amount. Even without an explanation or justification from VW Credit, I paid the amount listed because I did n't want to risk being delinquent.   Even after paying the regular amount due and the {$1.00} past due, the same amount of {$1.00} past due appeared on the  XX/XX/XXXX  statement ( with a due date of  XX/XX/XXXX  ). I contacted VW Credit again by phone and this time spoke to  XXXX .  XXXX  's explanation was that VW Credit was having an issue with a data feed to a third-party statement producer and that the past due amount was incorrect, did not need to be paid, and could be ignored. I requested that the statement billing be corrected.   The  XX/XX/XXXX  statement ( with a  XX/XX/XXXX  due date ) continues to display a past due amount.   I contacted VW Credit now a third time, this time I spoke with  XXXX  on  XX/XX/XXXX .  XXXX  did n't have an explanation but said she would request a transaction analysis from a support department within VW Credit and get back to me.  XXXX  has provided no follow up.   I contact VW Credit for a fourth time today,  XX/XX/XXXX  and spoke with  XXXX .  XXXX  and I were on the phone for nearly 90 minutes. We reviewed the billing and transaction history month by month, transaction by transaction since the lease inception in  XX/XX/XXXX . All of our figures were in sync up to  XX/XX/XXXX . Like the other VW Credit representatives,  XXXX  was not able to identify or explain why the past due amount was displayed for the billing statements in  XX/XX/XXXX , or  XX/XX/XXXX .   I demanded that  XXXX  escalate the call to a Manager.  XXXX  said there were no managers available. I informed  XXXX  I would be filing a complaint with the CFPB. I also asked  XXXX  to provide a contact phone number for the  Executive Offices of VW Credit and/or Volkswagen of America .  XXXX  said he did not have an external phone number he could share.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with XXXX XXXX regarding an " ESTIMATE ONLY '' on getting new XXXX. They told me they have " FREE EXAMS ''. I gave my insurance information over the phone and explained to them that I was looking around and getting evaluations of prices on XXXX. I was told that they give free evaluations. I also explained that I had the X-rays that were only days old from a previous XXXX. They told me to bring them with me, which I did. 
Upon arriving, they insisted that the XXXX I had brought wouldn't do. And it was " FREE EXAMS ''. 
Then they took new XXXX and looked into my mouth and sent me back up front to the receptionist. She told me the price and already ran a " credit account '' for my payments. I was EXTREMELY upset and told her that I was in BANKRUPTCY and could not apply for credit, I told her that she was going to cause me to lose my home! I told her this was only an EVALUATION, nothing else. I fully explained myself at each point of service that I was looking for prices only! 
I had to immediately contact my BANKRUPTCY ATTORNEY and the CREDIT COMPANY who SHE APPLIED WITHOUT MY CONSENT that I DID NOT DO THIS!!. Then they have the nerve to Bill my insurance and to me,, which " FREE EXAM '' is {$.00}. I have explained every time they called for payment. They refuse to do anything. This is BLANTANT FALSE ADVERTISEMENT. Now it's been affecting my credit rating and I'm working on getting out of Bankruptcy next year. So I've been trying to fix the problems now. 
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$74.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX