Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

I have an item that should have been removed from my credit report. All other credit reporting agencies removed the item after investigating. Equifax did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Equifax reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items. 

Equifax is unresponsive, difficult to get in touch with and only concerned with " Selling '' you a credit report or their online services. 

I need help getting this resolved. I have no confidence in Equifax to resolve this.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 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: Their investigation did not fix an error on your report

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

So I had CBNA Best Buy credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting CBNA about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit
Complaint sub-issue: Received bad information about your loan

I filed Bankruptcy Chapter XXXX in XX/XX/XXXX it was discharged on XX/XX/XXXX and My Student Loan was included. Havent been in school since XXXX. But it reappear in XXXX, just found copies of my discharge papers. Ask Department of Education to validation of charges and wet ink signatures did not provide.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for further consideration regarding an increase in my credit score, but as a result I have been retaliated against and my credit scores have gone down over XXXX points. Please notate that photo of a " XXXX '' thumbs up! This photo issued by the credit reporting agency shows discrimination and I am not certain what my next course of action will be.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX at XXXX XXXX, I applied on line, for my " Free '' Credit Reports at XXXX. I provided all of the requested personal information, and correctly, from my financial records, answered all " Security Questions '', as requested by the CRAs.

I received my " Free '' Credit Reports from XXXX and XXXX XXXX on line immediately. 
Equifax, however, declined to provide my report on line, and provided me with a PDF form to request this information, by mail. In addition, Equifax stipulated what documentation I had to provide in order to prove I was who I said I was. 
This information, included : Copies of my Social Security Card, A Pay Stub with SSAN, and W2 Form. for Identity Confirmation ; and for address confirmation, Drrivers License, Rental or Lease agreement/house deed, pay stub with address, and utility bill. 

Complaint : 1. Equifax had sufficient verification, to issue me an immediate Free Annual Credit Report, but elected to stonewall in an attempt to circumvent the requirements of providing an annual credit report without cost to me. They are of course hoping to sell me a " For Fee '' Credit report, only verification needed would be my Credit Card. which is what happenedto me the last time I requested a Free Credit report from them in XXXX. 

2. Information requested is unreasonable, and exactly what the FTC and Consumer Agencies advise NOT to provide, to prevent identity theft. ie : SS Card, Drivers License, and Deed. That's all an identify thief needs to not only steal my identity, but clean me out. I have lived at the same location for 33 years, which they know. I am retired, so I do not have Pay stubs, or W2 forms. I no longer have a residential telephone to bill, and all utility bills are paid online without paper billing. 

It should be noted, that the other two CRAs, XXXX  and XXXX, found my online verification sufficient to provide me with a report, and did not make unreasonable requests.
Complaint sub-issue: Information belongs to someone else

I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX  - EquifaxXXXX XXXX XXXX - XXXX  and EquifaxUnknown account - XXXX on Equifax
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX, back on XX/XX/2021, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.
Complaint sub-issue: Information belongs to someone else

Please remove all fraudulent credit inquiries as I have no knowledge of any of these inquires due to the Equifax data breach/identity theft all is being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation is over.
Complaint sub-issue: Debt is not mine

a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.
Complaint sub-issue: Account status incorrect

I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to Equifax to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/22. Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical XXXX. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Complaint sub-issue: Account status incorrect

YOUR COMPLAINT XX/XX/XXXXXX/XX/XXXX I had applied for a credit account with them in XXXX. It was approved for {$200.00} I never used it and it eventually closed in XXXX due to no use. At the time when they closed it they reported it as a charge off and a bankruptcy which it was not. Since the account was never used there was no amount to charge off or to include in any bankruptcy. I contacted XXXX XXXX / XXXX XXXX and was told my account was never negative and it was never used hence the reason for closing. At that time they informed me to dispute it with the credit bureaus by which I did dispute with Equifax, XXXX  and XXXX  three times. On each occasion they stated the account was accurate. I then called back to the credit bureaus and was told this is the information that XXXX XXXX XXXX gave them. I questioned the credit bureau for proof of this delinquency and what was given to them as verification that this delinquency and negative credit rating is incorrect. I got a letter from all three stating that they would not dispute the same thing and for me to contact the creditor. Shortly after I disputed with the creditor XXXX XXXX XXXX  more than two times via certified letter and no response was given. I went back to the credit bureau for the information to be corrected and updated. At that time I pointed out to them that according to their credit report as of XX/XX/XXXX to the current date there has been no activity, no scheduled payments and no high balance reported for this credit card since opening which proves that this account was never used just opened. Basically till date I have been denied the right to a fair and accurate credit report that has subsequently caused defamation of my character to potential lenders due to the negligence of XXXX XXXX XXXX , Equifax , XXXX  and and XXXX  . I  immediately request that this information be corrected to reflect never late, the account status of charge off and included in bankruptcy be deleted. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.
Complaint sub-issue: Information belongs to someone else

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX Bank 2 ) XXXX XXXX Card 3 ) XXXX XXXX Bank 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX CU 7 ) XXXX  XXXX
Complaint sub-issue: Debt is not yours

I C System XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$230.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.
Complaint sub-issue: Not given enough info to verify debt

On all XXXX Credit Reporting BureausI am asking that th dated XXXX/XXXX/XXXX, There is a collection report with no account number or verification of what this collection is for. The Original creditor was reported by XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to research this company, it only gave me air conditioner companies in the XXXX area. There is no such phone numbers or address I could find. It also gave the collection agency as IC System in XXXX XXXX, MN. It shows as open on XXXX/XXXX/XXXX and {$93.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple complaints ( including documentation ) to Equifax, including one previously through the CFPB, on this one issue. Equifax lists my current student loan at XXXX XXXXXXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX  who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Complaint sub-issue: Received bad information about your loan

All of my original loans for XXXX school were obtained under the FFEL loan program. When completing my XXXX XXXX, the Public Service Loan Forgiveness program became available. I began repayment in XX/XX/XXXX under the impression from Great Lakes that I would qualify for PSLF, so I make career plans to work in XXXX in an academic setting,  balancing the lower pay with the opportunity for forgiveness. I contacted Great Lakes annually for Income Based Repayment ( which then became Income Driven Repayment ) qualification, a requirement for loan forgiveness, each year confirming that my loans would qualify for PSLF and I received confirmation each year from Great Lakes that my loans would qualify. Unknown to me, the federal requirements for PSLF changed in XX/XX/XXXX to require all loans to be Direct and serviced by XXXX XXXX. Had Great Lakes let me know I would have consolidated my loans in XX/XX/XXXX and completed payments. Instead, working under the impression given me by Great Lakes that my loan payments qualified for PSLF, I continued making monthly payments. This spring I checked in again with Great Lakes knowing my 120 payments would be complete soon after 10 years of payments. For the first time in 9 years of yearly checking with Great Lakes I was informed that none of my loans qualify and I am left having made minimal payments on my loans under Income Driven Repayment, accruing increased interest and leaving me with 6 more years of loan repayment, and no hope of loan forgiveness. I love my job but my financial plans are turned upside down because of the repeated and consistently bad advice I received from Great  Lakes. I have no way to know if the bad advice I received was intentional or simply benign neglect, but there is no doubt that Great Lakes received more income due to my intelligibility for forgiveness than if they had give me the information i needed to stay on track for forgiveness. I now have {$100000.00} in remaining payments that I never expected to pay.
Complaint sub-issue: Seized/Attempted to seize property

I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # 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: Their investigation did not fix an error on your report

Derogatory report was drop but still not fix XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws,  and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XX/XX/XXXX and received the same response.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/2022 I contacted this company for a debt that is not correct. I do not owe this company for no sort. Never signed a agreement with this company to do business. & the amount they say I owe is incorrect.