Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

We have not been able to get the free credit report from XXXX XXXX XXXX, that is supposed to be the portal for such. When requesting it for download, it links us to an Equifax page that ask for my last four and from there it goes to a page that indicated that it is not available for downloading, which is very different from the other two credit bureaus, and it also indicates that I need to send it various documents to an address and it list what is required. 

I've attached a screenshot of the page that restricts further access and ask for documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.
Complaint sub-issue: Reporting company used your report improperly

Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've disputed several times via certified mail. 

The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus
. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF XXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Need information about your loan balance or loan terms

Despite emailing, calling & sending messages via the Mohela website I have not heard anything regarding the submission of my latest PSLF form for Employment Verification back on XX/XX/2022. I have waited for an extended amount of time on hold on several occasions, and have yet to be able to speak to a representative. My submitted employment verification should bring my qualifying payments to over XXXX payments. But I have been stuck in limbo with no insight as to when my PSLF form will complete processing and subsequently, my loans forgiven. This debt looming has taken a major physical toll and mental toll on my health. I am riddled with XXXX I am unable to even get a call back a reply is that so much to ask?
Complaint sub-issue: Public record information inaccurate

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

In XX/XX/2022 the vehicle was totaled, and the remaining balance paid off by GAP insurance. In the same month the primary owner who was XXXX, passed away due to unrelated causes, since then the cosigner has been asked to pay {$300.00} a month to cover the interest on the loan. There are documents stating there is no money owed and that there may be a refund. I am the mother of the cosigner ; I am assisting her with this complaint because of XXXX she does not understand she is being manipulated. She has paid {$2100.00} to the lender thus far. It is my belief she is being targeted due to her XXXX. She only receives {$840.00} a month and has to raise XXXX children.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!
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 XXXXXXXX, 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 an account without my written instructions.
Complaint sub-issue: Right to dispute notice not received

I 've checked my credit report and Jefferson capital have a debt that I have no knowledge of.
Complaint sub-issue: Old information reappears or never goes away

Equifax keeps reporting an old state tax lien on my credit in the amount of {$19000.00}, they are not supposed to report liens of any kind on my credit, this is a 15 U. S. 1681i, and U.S. Code 1692g wilfull noncompliance, and validity of debt falsely reporting same account twice, and reporting a State tax lien, which is a civil liability on their part. And they are in 15 U.S. Code ss 4504, statute of limitations violation, after the date of first delinquency, the debt is to be removed from the credit report 7 yrs later, they have kept this old debt on my credit report now for 13 going on 14 yrs, they are required by the Fair Credit Reporting Act to Delete this old tax lien account from my credit report. Whether they are reporting monthly payments or not. Instead of violating the act, they need to be in compliance with the laws, and rules set forth to protect consumers from unfair credit reporting. Delete the items or I will sue Equifax
Complaint sub-issue: Account status incorrect

I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.
Complaint sub-issue: Problem getting my free annual report

Requesting for assistance again with Equifax Credit Bureau. The same situation keeps happening when I try to request for my free Annual Credit Report with Equifax. The verification questions that are being asked does not pertain to me at all and Equifax is allowing Creditors to place inaccurate information on my credit file ... which is preventing me from disputing. I never have these issues with the other XXXX Credit Bureau ... XXXX or XXXX. Only Equifax. Would you please assist me in obtaining my credit report from Equifax. There is no current credit freeze on my credit report. I needs to dispute inaccurate information that is being filed by companies that I do not owe and are currently sending my information to collection companies for no apparent reason.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried logging in to dispute a medical debt on my credit report that is not on any of my other reports. The debt in question provides no phone number or address to contact this creditor and equifax allows this information to be reported. From my understanding of the FCRA and address and phone is required to be on the report. I have tried to dispute this information on my equifax credit report however their system will not allow me to. The last XXXX of my ssn are XXXX date of birth XXXX/XXXX/XXXX and my address is XXXX XXXX XXXX XXXX tx XXXX.
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions Equifax has verified these 6 inquiries and they are all fraudulent and I have listed also the police report also a credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem getting your report or credit score

The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. 
I have read the reviews about the company and it seems every consumer has the same complaints. 
-credit score 200 points lower than the major agencies.

-no one is ever in the office -getting the actual report from XXXX is impossible.

I want to know WHY these people are even involved in my credit report.

The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score immediately!!!
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Complaint sub-issue: Was not notified of investigation status or results

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX  XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Complaint sub-issue: Was not notified of investigation status or results

I attempted ( online ) to get my annual credit report from Equifax a few months ago. I got an automated message that, for some ( to me unknown ) reason I could not get the report online and that I would have to send my request to a physical Equifax address with information and documents. 

I also found out that my record with Equifax was among millions stolen in breach of Equifax as previously reported. 

On XX/XX/2021, I sent a letter of request ( see attached copy with most identifying info deleted and without copy of accompanying documents ) to the following Equifax address ( with certificate of mailing ) : Equifax Disclosure Department, XXXX. XXXX XXXX, XXXX, GA XXXX. 

In that letter I asked for : 1 ) Annual credit report from Equifax ( only ) and 2 ) To be informed of exact information about my data that was stolen from Equifax. 

More than 2 months laater, I still have not heard from Equifax. 

Is that company still in existence or have they ceased to exist ( which would be most appropriate, given their terrible record )?
Complaint sub-issue: Public record information inaccurate

I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I have been affected by the Equifax Data Breach and Equifax has denied me access to my file
Complaint sub-issue: Information belongs to someone else

I recently started to monitor my credit reports and noticed alot of fraudulent inquiries, charges, accounts, etc. I First disputed this particular account from Citi Bank with all three credit bureaus. XXXX, XXXX, AND XXXX ALL " INVESTIGATED '' the Citi Bank Account. All three came back with different answers and all report different information. On XX/XX/2022 I finally called and got ahold of someone at Citi Bank. I spoke to a young women and told her I didn't know my account number or any information about the account because it was opened fraudulently but I noticed it on my credit report and wanted to have it removed and asked her what i needed to do to fix it. She asked me for the account number i told her a second time I didnt have XXXX because the account was opened by somone else. She then asked for my social security number. I gave it to her and she then aksed for my address i gave it to her then she asked if i had another adderss. I told her no. She then said please verify some information for me and asked me a bunch of questions about old acounts and information i should only know. Alot of the questions I couldn't answer. She then asked me for my address and phone number then she tells me to wait for a call from a different department. On XXXX I get a bill from Citi Bank saying I owe them {$350.00}. I check My credit report and they updated The account with my information. Not the Original information and my credit score went down XXXX points and Has a derogatory remark on it. This is not right. I called to have them fix the issue not make me responsible for a fraudulent account. They never called Me or emailed me either. They need to be responsible for this fraudulent inquiries and remarks and making my credit score significantly lower than it was.