Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : 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
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I was offered a credit monitoring product from equifax, in XX/XX/XXXX. After q month I decided the plan was weak and did not offer me what I expected, therefore I tried to cancel the product, I was told by equifax to login to my account to cancel, when I did I couldn't find the cancelation feature and called the Equifax consumer help line. 
When I was helped by the agent who proportedly claimed that the service was canceled. 
Then I contracted XXXX in both XXXX and had a XXXX XXXX, I have been consumed with healing and dealing with my medical condition, as I had a XXXX XXXX 
Now today I Che k my credit card and realize Equifax is still charging me the {$5.00} monthly service fee and called Equifax support, who refused to return my money and charged me a XXXX XXXX  surcharge for XX/XX/XXXX. 
I was asking for and expecting a full 1yr subscription refund, yet the equifaxe agent only intent was to rip me off. I am deserving and owed a full refund of {$5.00} XXXX XXXX = {$71.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The information on this report is unauthorized and was not done by me. Please delete from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX a hard inquiry was put on my XXXX report that I didnt authorize
Complaint sub-issue: Application denied

Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Information belongs to someone else

I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.
Complaint sub-issue: Account status incorrect

I have disputed the late payments XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Account information incorrect

Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Old information reappears or never goes away

All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by Equifax for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated crap that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. XXXX years old.
Complaint sub-issue: Account status incorrect

Around XXXX XXXX, XXXX XXXX illegally repossessed XXXX XXXX XXXX  Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment. 

After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted XXXX XXXX about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX XXXX  VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account. 

When I made all the disputes, I made it clear to XXXX XXXX that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX   representative over the phone. XXXX even confirmed to me that the amounts were being paid to XXXX XXXX by them on my behalf every time a payment is made through my XXXX XXXX  account. 

For the record, both these accounts were on automatic billing and payment directly with XXXX XXXX. I never knew that XXXX XXXX took me off of the auto pay around XX/XX/XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize. 

Around XX/XX/XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable XXXX XXXX 's online payment system is, I decided to start paying them directly from my XXXX XXXX  account. 

Around XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research. 

Around XX/XX/XXXX, I spoke with XXXX and XXXX of XXXX XXXX - I was told that I would be receiving a letter from XXXX XXXX indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report. 

Today, XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that Account # XXXX is still showing the 30-day late. 


Records will show that I always pay my XXXX leases on time except for the month that their system abruptly and without notice stopped processing my auto pay. 

Records will also show that I always pay these 2 accounts timely and responsibly. 

Records will also show that I always pay these 2 accounts AT THE SAME TIME! 

Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX? 

Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit. 

Please see attached documents for reference.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS ARE FRAUDULENT AND DON'T BELONG TO ME.
Complaint sub-issue: Problem getting report or credit score

Me and my husband both have no credit score from Equifax that is preventing me from getting housing for my family. I have just moved to XXXX from XXXX because I was accepted to a university. Also I have a section XXXX voucher to house me and my family of XXXX children and me and my husband. We only have 2 months to find a place to live or we lose the voucher. We applied to a home in a good neighborhood with a good elementary school for my son starting XXXX. They use a credit company called XXXX and that company checks credit for rental properties, sadly I was denied. Concerned I looked up my credit score on XXXX and found out that XXXX has a score for me but Equifax did not. To my surprise XXXX only uses Equifax. So I called Equifax to try and fix this situation. Meanwhile I was living in a cheap and scary hotel paying alot of money waiting and waiting, calling and calling Equifax I have sent my documents including my ID, Social Security Card and marriage licence to prove my identity TWICE! After you send these documents in they need 48 hours so this took many weeks and days. I have done all they have asked of me including calling my bank to have them send info which my bank does not send to this company. The rental company said they would still consider renting to me as long as I was able to fix this situation. I have spent so much money on hotels, faxes, and so much time which is precious right now with starting a new school and having a new born in a motel. They have my documents and still have no reports on me nothing at all. They expect me to call people I had loans with when I was a teenager and take more time to get this together. I am fed up and feel so frustrated with this situation. Another part of my frustration is that when you have a section XXXX voucher they take 15 days to approve a house and inspect it. So with all the time that has passes I am paying alot of money for a motel. I have had to apply for a house in a not so great neighborhood and a low rated elementary school. This is affecting the education of my children and my own financial status with all my money going to this hotel and faxes and time invested in trying to get my credit score from Equifax. They have ran me around and given me very small bits of information without any sight of the big picture. This experience has been troubling and very very stressful when this should be an exciting part of my life. I have worked hard to maintain a XXXX in school to get into a better college to make something for my family and this road bump was way bigger than it needed to be. Also we looked up my husbands credit score on credit Karma and find out they also have no score for him. We are Americans we have had many different accounts with big banks and car loans. There is no way that they can just have no information on us if they are XXXX of the biggest credit companies out there. I am in shock and also am wondering hat these people are being paid for when I have to do all of the foot work? This is just a glimpse of what is happening with Equifax and I am filing this complaint against them.
Complaint sub-issue: Debt was paid

XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.
Complaint sub-issue: Other problem getting your report or credit score

Lender is unable to pull credit report as the message says inquiry reported as fraudulent by the consumer..unable to pull credit file I did not place a fraud alert on my account. Had issues back in XXXX with lender not being able to pull my file and equifax claim to fix it. Now this is a new issue. Called and spoke to several customer service agents who said they dont see any fraud alerts. Bank has even contacted equifax business side who referred them back to me calling consumer services who again didnt help
Complaint sub-issue: Transaction was not authorized

have and accoung with coinbase to buy and sell bitcoin. on XX/XX/XXXX was my last transaction on XX/XX/XXXX I got notice that my account had been changed. I did not do this I call the XXXX number and suposidly locked the account but not before XXXX in coin had been stolen t then my bank account was hit with another XXXX and XXXX and they found one earlier in the month for anther XXXX was with drawn from my account without my permission. now they are saying I owe them XXXX or more in funds that I barrowed from them on the XXXX or XXXX to buy more crypto. this is not right I have been sending emails regular since XX/XX/XXXX but they now refuse to even answer them saying I owe them money. can you please help
Complaint sub-issue: Information belongs to someone else

I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am very XXXX XXXX XXXX the XXXX XXXX have not responded back to me about my investigation. I sent a letter, it's more than XXXX XXXX. I need these accounts deleted off my credit report according to the FCRA anything on your credit must be removed that you did not approve of. All of the inquires on my credit report are fraudulent and I do NOT know where they came from. I have also submitted an IDENTITY THEFT REPORT and still havent gotten a response been over XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account was placed on my credit report without my permission I didn't give written instruction placing this account on my report that a violation of my consumer rights. 

XXXX Account Number : XXXX The errors I still see is the balance of XXXX on this account is still reflecting on a closed account that is a clear violation of the FCRA law, the date of last activity is inconsistent with the bureaus of XXXX XXXX and Equifax its not way this was verified as accurate and verified which false statements are being applied to my account after its been reviewed which another violation of my rights. 

XXXX XXXX Account # XXXX This account was verified is a joke at this point this account still reflects open in one bureau and closed on another also the date of last activity is incorrect and again your stated this account was verified, putting false statements on my report is a complete violation of the FCRA rights I have or at thought I had. 

XXXX XXXX XXXX  # XXXX Looking at my report this account is still reflecting an open account which we both know is closed and with it being violation. but this account was verified right? And to top it off this closed account is still reflection a balance. 

Please See Attachments!!!!!!! 

Please Delete Immediately I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent in XX/XX/XXXX  I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureau is reporting a 90 day late in XX/XX/2018 on ( XXXX/Dept of ED ). 
How can this account be 90 days late when it was on time the month prior. This is an inaccurate reporting. Please remove the 90 day late from my credit file and update this account to open, never late.
Complaint sub-issue: Reporting company used your report improperly

I believe I was affected by the data breach impacting Equifax consumers between XXXX and XXXX XXXX. I have been unable to get confirmation from Equifax directly, as their call centers and data centers are understandably under heavy strain ( unable to get through on phone, and impact assessment page gives no answer ). 

However, since the breach was reported, I have been receiving a disproportionate number of calls to my personal phone -- multiple per day, sometimes per hour. It 's as close to correlation as I can get, for the moment. I 've already placed a 90 day fraud alert with all three agencies, so this report is just following through with the formality.