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

Equifax is NOT DELETING two items in the credit report about an obligation to XXXX formerly XXXX XXXX for solar energy installation. 
I have informed Equifax that the XXXX XXXX XXXX XXXX is to pay for power generation NOT instalment to purchase and own the two installations. 

I have also informed Equifax that the XXXX Agreement states this : 9. Ownership of the System ; Tax Credits and Rebates.

You agree that the System is XXXX personal property under the Uniform Commercial Code. You understand and agree that this PPA is not a contract to sell or lease the System to you. 
XXXX owns the System for all purposes, including any data generated from the System.

This has affected my credit score.

I am attaching the two docs re Equifax resolution Ironically two others XXXX and XXXX does NOT have this in their report. 

THIS IS THE TWO ITEMS IN DISPUTE WITH EQUIFAX I CAN NOT GET DELETED. 

Installment Accounts Report Date : XX/XX/2020 Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. 

Open Accounts XXXX| xxxxxxxxxxx XXXX {$16000.00} Remaining Balance {$130.00} Last Payment Amount 0 Late Payments 5YRS 5MOS Age of Account XXXX| xxxxxxxxxxx XXXX {$24000.00} Remaining Balance {$220.00} Last Payment Amount 0 Late Payments 6YRS 7MOS Age of Account THE DISPUTE COMPLETION IS ATTACHED. 


I also have a case where their XXXX solar installation does NOT appear in their credit report as an installment account!
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new account onXX/XX/2021. this was part of a citibank promo with a bonus to be paid out in 90 days after all qualifying activities were completed. so if I count 150 days from XX/XX/XXXX, the date is XX/XX/XXXX. today, is XX/XX/XXXX, and I have seen nothing. 
I have called Repeatedly to Citi customer service, escalated to the XXXX XXXX, CA brand managers and keep getting apologies about the delay and promises that it will be done in a day or two. during my XXXX call, I was assured no later than XX/XX/XXXX, and when I called last week, I was told no later than yesterday. There are several emails that been unanswered by Citibbank. 
i now need to escalate to you and Citi management to get this resolved as soon as possible. Clearly, this is false and misleading advertising.
Complaint sub-issue: Personal information incorrect

I have unnecessary negative accounts on my credit reports that needs to be looked thoroughly at. False Info linked into bad account which is considered fraud.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Account status

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/2021, PNC Bank took over operations of BBVA Compass Bank On XX/XX/2021, PNC Bank told me that all operations relating to my BBVA Compass Bank Account, will become operational as before. In particular I was interested in XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I went twice to the PNC Bank Branch and met once the Vice President I also submitted the Account linkage form on XX/XX/2021 However, to date, I have on online access to account, so I can not perform XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I am very worried, since I do not know what my balance is, and how much and many bills can I pay Please help
Complaint sub-issue: Reporting company used your report improperly

Yes I have had a data breach with equifax they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.
Complaint sub-issue: Personal information incorrect

I have never lived at or used address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address was added by XXXX XXXX  because of fraudulent account XXXX that has since been removed from my credit files. A XXXX Police Report XXXX by XXXX XXXX XXXX about this fraudulent account was approved XXXX XXXX, 2017. This address should not be reflected on my credit files as I have never used or lived at XXXX XXXX XXXX XXXX. XXXX XXXX has submitted documents to Equifax to have fraudulent account removed and this address is only related to this fraudulent activity. I have requested multiple times through Equifax to have this address removed from my credit file and yet it still appears on my file. The current Equifax case number is XXXX and was submitted again on XXXX XXXX, 2017. Please request that Equifax removed this incorret fraudulent address from my credit file.
Complaint sub-issue: Report improperly shared by CRC

I checked my credit alert and found a hard inquiry from EMS XXXX Equifax Mortgage Services XXXX. I tried to call this business and it is listed as closed. I have hard inquiry on my credit report as recent as XXXX/XXXX/15. I am afraid this could be an attempt of identity theft. The phone number provided is not working. I tried to look for another phone number. Here is the company info EMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX phone number XXXX.
Complaint sub-issue: Reporting company used your report improperly

My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of MidFirst Bank. As of late XX/XX/XXXX early XXXX we requested a payoff. In XXXX I received a call from XXXX XXXX   but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX  to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX   and discontinued the call.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.
Complaint sub-issue: Their investigation did not fix an error on your report

This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2019, AFNI filed a claim with the credit reporting agencies for a debt of XXXX $ associated with an XXXX XXXX XXXX account. This debt is invalid. I have sent them a letter via certified mail requesting proof of the debt.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, Enhanced Recovery Collections add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Enhanced Recovery Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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 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: Their investigation did not fix an error on your report

This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I reported this to Equifax and they closed the case within 24 hours without even looking into the problem. I am attaching a copy of the report from the company that makes my payments automatically for me.
Complaint sub-issue: Billing dispute for services

I had XXXX XXXX XXXX internet services at my home office in XXXX. I had no service for a couple of days due to their maintenance issues. This happened twice and I called to get a credit on my bill which they refused. I disconnected my services and returned their equipment. 

XXXX XXXX XXXX forwarded the account to a debt collector and it was subsequently reported to the credit bureaus. I have disputed it multiple times but it keeps cycling between multiple debt collectors and pops back up on my credit reports. 

At this time, two debt collectors are reporting the same XXXX XXXX XXXX account on my credit reports which is negatively affecting my credit. 

XXXX XXXX XXXX should never have billed me for the last month of service since they did not provide the services. Or they should have given me a prorated bill to account for the interruption in service for 4 days. 

If a debt/account on a credit report is disputed and explained once or more, it should not be assigned to one company after another. In my case 2 debt collectors are showing the same account. The companies are : XXXX XXXX XXXX and XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.