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

FIRST : The government, for its part, misleads consumers by leading them to believe that freezing credit reports somehow provides protection of personal information. Consumers are led to believe that XXXX XXXX and XXXX XXXX are " the players '' in the credit reporting field. Even the monitoring and repair agencies only mention these three players when it comes to providing protective fee for service. Again, for its part, the government allows this to go on. Meanwhile the consumers are completely unaware that there are fly by night and splinter companies collecting and reporting life altering personal financial information. 

SECOND : Imposing or lifting credit freezes does absolutely no good. Evidently lenders consider " due diligence '' a XXXX XXXX exercise. They will consult with these " splinter '' companies that may or may not provide accurate or real information on the consumer. 

So moving to the focus of my complaint, Sage Stream LLC. They responded with a negative recommendation to our own petition for credit based on : 1-Distance between address and area code of phone 2-Limited history at this address 3-Limited history at this phone 4-Too few active accounts I have, in hand, a XXXX XXXX credit report less than one week old. It shows an unblemished record for greater than 10 years! 

As far as the citations from Sage Stream go, how can a phone number from central florida be too far from an address in central Florida? What does that even mean? Evidently, 5 years at our present address with a history of mortgage, auto lease, credit cards, utilities, and HOA aren't enough. 

It does not appear that Sage Stream LLC has any relevant credit information on myself or my wife. If they do, it's obvious that a faulty automated algorithm is being employed to mine the information in building a report. 

1-Sage Stream LLC should be held accountable for the credit denial. 
2-Sage Stream LLC should be investigated to determine whether or not they maintain consumer information in a manner prescribed by law. 
3- Sage Stream LLC should be thoroughly investigated to determine the accuracy of the consumer information being maintained. 
4-Sage Stream LLC should be thoroughly investigated to determine the validity of their computing algorithms. 


Sagestream , LLC XXXX XXXX of XXXX XXXX XXXX, CAXXXX Contact : XXXX XXXXTitle : Chief Executive OfficerPhone : ( XXXX ) XXXX : www.sagestreamllc.com Sector : Business ServicesCategory : Credit Reporting ServicesIndustry : Consumer Credit Reporting Bureau XXXX XXXX Name : Credit BureausXXXX XXXX Business Description Sagestream is located in XXXX XXXX, California . This organization primarily operates in the Consumer Credit Reporting Bureau business / industry within the Business Services sector. This organization has been operating for approximately 6 years. Sagestream is estimated to generate {$180000.00} in annual revenues, and employs approximately 5 people at this single location.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted / disputed with Equifax regarding a inquiry from  XXXX  that I did not authorize. The company refuses to investigate.   I did not authorize this inquiry.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.
Complaint sub-issue: Debt was paid

Merchants Credit continues to report  XXXX  paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor (  XXXX   XXXX   XXXX  ) that these accounts are paid and resolved.   XXXX   and  XXXX  even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.
Complaint sub-issue: Inadequate help over the phone

Disputed information with Equifax regarding a XXXX XXXX credit card disputing to late payments : XXXX - XXXX, XXXX - XXXX. In speaking with agent, I asked at what point will these late payments cease to have a negative impact on my credit score provided by Equifax ; the score provided to the consumer and the score provided to a potential lender. 

XXXX agent disconnected the call. XXXX agent had to escalate to a Call Center Supervisor. Unfortunately, the Call Center Supervisor did not directly answer the question. Instead, explained that a potential lender has the ability to utilize multiple scoring models from each Credit Reporting Agency. Then, placed the responsibility the potential lenders and the score cards used when evaluating a consumer for credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

unauthorized and fraudulent inquiries on my credit report
Complaint sub-issue: Investigation took more than 30 days

I am filing the complaint against EQUIFAX, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Complaint sub-issue: Account status incorrect

I was added as an authorized user on someones primary trade line in XX/XX/2020 and was taken of the account in XX/XX/2020, but the authorized user trade line is still being reported as open when its been closed for months.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX//22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously contacted Equifax about 2 closed medical accounts from XXXX XXXX. I received a letter saying the account was accurate and verified. This account is still reporting from the XXXX XXXX the original debtor, but it was placed in collections under XXXX XXXX XXXX so why are Equifax still reporting this inaccurate infomation? I've attached a copy of another bureau 's file that shows these accounts that were placed in collections, were investigated and removed from my file. Equifax has failed to notify me of how they conducted their investigation, who they spoke to verifying the information, the time and date of the investigation, and what company they contacted to validate this debt. Under the FCRA, All reported information by the bureau has to be ACCURATE. I have a problem with this bureau and only this bureau, especially after constantly staying in the media for security breaches. How is their investigation into this matter accurate and the other bureaus resulted in removal of these negative items and a updated credit file. I would ask Equifax to respectfully remove these negative closed items, since I wasn't notified of any of the above actions that lead to a successful verification of this debt. Not validating info submitted to the bureau is unexceptable to the consumer 's rights to obtain a updated accurate credit file.I 'm trying to obtain good credit, and trust again into a once reputable credit bureau, but it seems the consumer has to fight a uphill battle for a rightful reasonable outcome.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Tried To Send a Judgment from a court ordering that I am not legally responsible for an account and equifax system would not allow me to upload it for dispute is Confirmation number : XXXX!
Complaint sub-issue: Can't close your account

I relocated from XXXX to XXXX around XX/XX/2020. I telephoned, and wrote the bank on several occasions to close the account without success. I just received a letter from the bank stating the account is dormant and I will be charged a fee. That's not fair!
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXXXXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name XXXX XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

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: Debt was result of identity theft

CITI CARDS/CITIBANK Account number XXXXDate opened XX/XX/2017 {$210.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, my wife and I sent a letter to Equifax, XXXX, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX and XXXX XXXX. The other four we should have received have not arrived yet.
Complaint sub-issue: Was not notified of investigation status or results

On XXXXXXXX XXXX 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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: Account status incorrect

unethical behaviour on the part of Equifax I have called everyday since XX/XX/XXXX and they told me that my addresses do n't match up and that is why I ca n't get online to do my disputes. I have faxed 2 seperate copies of my information that you all requested and mailed it and nothing. Everyday is just wait 24 hours, just wait 48 hours. Then today ( XX/XX/XXXX ) it  is the system is n't working and the system still have my old address please send me that information. I just want my address in the system changed to XXXX XXXX XXXX XXXX, XXXX, VA XXXX as my current address so that I can get into the dispute system. No I do n't not want you all to do it for me because this is my file and I believe that you are making it so I ca n't get in. That is illegal for you all to hide my credit file from me because it is mine. My phone number is XXXX
Complaint sub-issue: Received bad information about my loan

I completed a loan rehabilitation program over 9 months. Most of my loans have come out of default except for XXXX. I was told that they are not eligible and now I have to pay the past due to get them current. Over 3k. I 'm working on my credit score and Nelnet will not work with me. I did my due diligence in their program. Please help if you can.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Old information reappears or never goes away

This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, XXXX XXXX XXXX is still reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And XXXX XXXX XXXX attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with Equifax and their response is that XXXX XXXX XXXX said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against Equifax and XXXX XXXX XXXX ( again ). Regardless of the category of this claim. XXXX XXXX XXXX should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, XXXX XXXX XXXX is blatantly violating the Fair Credit Act and in plain site.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Complaint sub-issue: Debt is not yours

This is a debt collection in the amount of XXXX This account is does not belong to me. They claim the original account was XXXX XXXX. I have contacted XXXX XXXX in XXXX when this amount first appeared on my credit report. There is no record of a debt under my social security number. Furthermore, I filed a dispute with all three credit bureaus in XXXX via certified copy letters. The charge/account was found to be an error. The accounts were removed within 2 months. In XXXX the charge reappeared on my credit report as Jefferson Capital. I have made repeated attempts to notify this collection company that the charge had been investigated and does not belong on my report. The call center agents have not provided any documentation that would show proof this account is linked to my social security #. 
This type of erroneous reporting is a violation of the Fair Debt Collection Practice Act. The fact that this account has been single reason for the delay of my mortgage preapproval letter since XXXX of XXXX exemplifies how this reporting system violates customers civil right as well.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. 

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! 

ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! 

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! 

XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2018 the collection agency allied interstate LLC showed up on my credit report with any previous notifications or phone calls for the amount of XXXX dollars. I then try to call this company to get this verified or to why are they on my credit report i adk for verification of debt i was told that i had to go to original cretitor to verify the debt with will be XXXX XXXX. The problem here is allied interstate llc shows up on my report they cant verify the debt but not only that i have to verify with original creditor plus i was never notified on this debt. Allied interstate LLC should have some kind of debt ferification and contract as well they are reporting unverified information on my credit report. I do not have any documents because allied interstate llc does not have my adress and im unsure if I should tell them my adress as they may later try to use it to verify information
Complaint sub-issue: Their investigation did not fix an error on your report

This account was opened fraudulently by a scammer girl I met online. She opened the account without my knowledge and I tried to report identity theft.
Complaint sub-issue: Information belongs to someone else

My identity was stolen and a fraudulent account was opened with a company named Acima. I told XXXX that the account was fraudulent and I had zero knowledge of it. I want it removed from my credit report. They have not removed it after I have submitted two disputes regarding it. I have called the company ( Acima ) as well regarding this fraudulent account to tell them its not mine and that its due to identify theft. They have not been helpful either in resolving this either.
Complaint sub-issue: Their investigation did not fix an error on your report

I have three time now provided Equifax with a letter of explanation from XXXX XXXX removal of late payments on my credit report. Which is attached with this file. I filed my 3 rd dispute with Equifax apprx XXXX, XXXX 2020. Equifax responded with a generic response and did not remove the codes but requested I go back to XXXX XXXX. However I provided the letter from XXXX XXXX clearing up the issue and included it with the recent dispute.. No one at Equifax looked at the documents otherwise it would have been removed immediately. I have attached page 4 of Equifax standard dispute response letter along with two pages from XXXX XXXX with the removal information on page 2 of the XXXX XXXX document.
Complaint sub-issue: Debt was paid

I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.