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

I have been disputing the same items off my credit report for the past year almost every single month and Equifax refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Equifax refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Equifax verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Equifax refuses to do so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have three unauthorized inquiries in my equifax report file. # 1 by XXXX XXXX onXX/XX/XXXX # 2 by XXXX XXXX XXXX onXX/XX/XXXX and # 3 by XXXX XXXX XXXX on XXXX
Complaint sub-issue: Personal information incorrect

I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Attempted to collect wrong amount

I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. 
When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. 
I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. 
Please help me Sincerely XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.
Complaint sub-issue: Information belongs to someone else

Based on, XXXX XXXXXXXX XXXX  XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Account information incorrect

XXXX XXXX THERE IS A CHARGE OF {$1800.00} BY XXXX XXXX XXXX XXXX XXXX. 
I SAW THIS ON MY CREDIT REPORT IN COLLECTION. FOR XXXX BANK. 
ICALLED XXXX BANK THEY HAVE NO KNOWLEDGE OF THIS ACCOUNT, NOR OF THIS XXXX XXXX XXXX XXXX XXXX. I HAVE PROTESTED THIS XXXX TIMES TRYING TO GET THIS OFF MY CREDIT REPORT AND THEY STILL HAVE THIS ON ME. THEY SAY IT IS MY ACCOUNT.BUT THEY SEND ME NO PAPER WORK OR PROOF OF THIS ACCOUNT.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX FLAGSHIP CREDIT ACCEPTANC Attn : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANC for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX account 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 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction
Complaint sub-issue: Information belongs to someone else

Citibank is reporting a fraudulent credit card on my credit report linked to an address in which I have never lived.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, I entered into a program through Discover to help pay my credit card. The agreement was that the card would be inactive for 12 months and I would pay {$100.00} until the end of the year agreement. 
On XX/XX/XXXX, I reached out to a Financial counselor through a XXXX XXXX  center in XXXX XXXX XXXX in an effort to work on my credit. We pulled my credit and started looking at issues to fix. We agreed that I would keep paying one of my credit cards and work with XXXX XXXX to pay down my other two credit cards that I was having a hard time paying. I reached out to XXXX XXXX and set up an agreement. I received word that one of my cards had accepted the agreement but Discover rejected it. I was then called by XXXX XXXX and they stated that they would try again with Discover. I received another call from XXXX XXXX saying that because I was already enrolled in a program through Discover they were unable to add it to my XXXX XXXX account unless I closed it. I felt that I could afford the {$100.00} a month agreement with Discover so, I decided to stay with them and complete the Discover program and re asses when I completed it. 

On XX/XX/XXXX, I met with my financial counselor via phone to discuss my progress over the last 5 months. He pulled my credit to see the difference from XXXX. Good news, my score had gone up 50 points. Bad news, Discover closed my account with a balance. 

I was unaware of this, I wasn't notified and I have been in good standing with the program since I started it so I was confused as to why it was closed. 
My Financial Counselor found that odd as well and suggested I contact Discover. I reached out to Discover and after a lengthy online chat they stated that XXXX XXXX should've told me that my account was closed ( I have the copy of this chat ). That sounded weird so, I contacted XXXX XXXX via chat ( I have a copy of this as well ) and they stated that some credit card companies automatically close the account when they are contacted by an organization like XXXX XXXX and that Discover was one of those companies. I asked why I wasn't informed and they stated that I should've been told.

I circled back to my Financial Counselor and he suggested that I reach out to Discover to see if they would reopen my account. Which is what I did. They said, '' I  do apologize that you are going through this difficult time, however once the account is closed, it can not be reopened '' To which I responded, " Is that a hard line? No exceptions? '' And, Discover said, '' Yes, we are unable to reopen your account. You are able to reapply for a new card! '' My complaint is, how is it possible that I was not informed that mt account was closed AND how is it protocol that they automatically close an account when contacted by an organization like XXXX XXXX? Especially since I never added that card to my XXXX XXXX account. Additionally, If I am still paying discover, how are they able to " close my account with balance " but not report to the credit companies that I a paying on this card?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : Inquiries : 1. XXXX/XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Problem accessing account

I got a call from Citi for complaint number XXXX. She said her name was XXXX and to call her back at XXXX or XXXX. Her voice wasn't very clear so it's either of those numbers. Those numbers don't exist.
Complaint sub-issue: Account information incorrect

The credit reporting agency is still showing a balance of {$140.00}. I have no balance with XXXX XXXX. I owe a XXXX balance with this creditor I have a receipt to prove I own no balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem getting my free annual report

I went to the web site the federal government has to request my free copy of my credit reports from XXXX, XXXX and Equifax because I was contacted by XXXX about someone trying to apply for a credit card in my name. I received the reports from XXXX and XXXX and disputed some dis-information that XXXX had and they corrected it. Equifax sent me a letter telling me to provide more information like a copy of my social security card and a utility bill and I did that but I am opening up a complaint with you because while confirming their address online with the letter they sent to make sure I am not mailing something to someone who will defraud me, I noticed that a lot of people have had Equifax give them the run around and not give them their free report. I am very concerned that someone may have stolen my financial identity and done such a good job with Equifax that they do not think that I am who I am, live where I live and can prove it. If you would follow up and encourage them to do the right thing so that I can see if they have dis-information like XXXX did, I would really appreciate it. It is really sad that companies, whom I do n't know anything about, can collect identity and financial information about me, make mistakes and require me to verify their mistakes and then go through all of this to get them to fix the information they have about me. It is really sad that these companies make a profit doing this and it costs me so much time and worry. I wish the federal government was the only credit bureau that kept private information about citizens and that public or private companies were not allowed to do this. What with hackers and XXXX, XXXX and other spies around the world stealing our information, we need much better protection of our citizens and our personal financial and medical information. Our XXXX XXXX department should have a budget to do this and convert everything to their computers and shut down XXXX, XXXX XXXX and Equifax or hire all of their people and get control of their computers. Also, only XXXX citizens should be working for XXXX, XXXX and Equifax and this information should not be available overseas. Otherwise, what protection do we have that worldwide hackers and spies wo n't steal our financial or medical information and use it against US??? If you would help me get my free credit report from Equifax, I would really appreciate it. It is sad that I should have to go through this. The federal government has my social security number and I am attaching a utility bill. I mailed Equifax a copy of my social security card and the utility bill I attached to this complaint. Thank you for creating the CFPB. I really hope that this is the beginning of the federal government starting to protect our citizens on the internet and computers like our XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX protect XXXX. XXXX has to include protecting citizens private financial identity and our private medical identify as well.
Complaint sub-issue: Problem with customer service

I called the general customer service number printed on the back of my XXXX Citibank Visa card on XX/XX/2018 around XXXX. After the usual lengthy phone tree and entering all my account information into the automated system, I finally reached a representative who I asked about benefits associated with the use of the card. I was surprised that she didn't know and asked if she can connect to a benefit specialist. I agreed ( what else? ). Sure enough I was transferred to another phone tree and again I had to enter all my account info. I was then promised to be connected to a benefit representative. After half a minute of silence on the phone, the call was ended. At no point in time was there an announcement that the office was closed ; I was strung along in a phone tree that dead-ended. This makes me question if Citibank has any sense of the word " customer service ''.
Complaint sub-issue: Information belongs to someone else

There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however XXXX responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. XXXX refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However XXXX is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.
Complaint sub-issue: Account status incorrect

I Sent a dispute letter to equifax detailing that they are reporting a mortge account late... first date of delinquency is being reported as XXXX XXXX..but on the payments time line see attached..it shows 90 days late XX/XX/2018 and 120 days late in XX/XX/2018 ... so how is the first date of delinquency be in XX/XX/2018... I Have the right for my credit report to be accuate ... im requesting to up date to paid on time never late... XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt was paid

I disputed the debt online through credit agency. They sent a letter advising that I needed to call by XX/XX/2022. I called numerous times and I get the run around. This is not a valid debt and I am requesting verification. They are refusing to provide verification.