Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts, Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Complaint sub-issue: Debt is not yours

PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted XXXX asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps XXXX took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXX XXXXXXXX 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 and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called XXXX I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308
Complaint sub-issue: Other problem getting your report or credit score

I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to purchase a home, been living in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I recently recieved a re-fi loan for my Sallie Mae Loans. The first loan was disbursed correctly, and the second one was not. It was split up into the three loans that were left, and not used to pay off one loan as was directed by my new loan servicer. I know I and my re-fi company correctly communicated which loans were supposed to be paid off, but instead, Sallie Mae has once again messed everything up. All they want to do is keep me paying the insane interest rates I have been unfairly given. This is the third time I 've had to file a complaint about them with you, and the second one in two months.
Complaint sub-issue: Didn't receive enough information to verify debt

I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX  XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX XXXX XXXX XXXX ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello. I had a hard credit check on XX/XX/22 and I did not know why. Instinctively, I didn't want to assume fraud/incompetence as maybe it was legitimate and I had forgotten why it would have occurred. After consideration, I could not think of a reason why it had been pulled, so I challenged it through Equifax the same day. I got back a response that basically made it look legitimate. I tried calling the bank this morning that originated the hard inquiry, and I got nowhere after being transferred multiple times and having a very difficult time understanding the person on the other end of the phone. I explained to the lady that I wish to understand if 1 ) this was fraud, 2 ) this was done in error, or 3 ) if this was legitimate and I can not recall the context. By the end of the call she just kept the call running ; didn't hang up but no longer was on the call. I kept the call running long enough to find out that I should now go to the CFPB with this issue, explained that to her ( who presumably was still on the call somewhere... ), and then hung up.
Complaint sub-issue: Can't temporarily delay making payments

Sallie Mae notified me that I have to continue to make payments. I am still enrolled in school but they have told me that I have used my maximum of 48 months of deferment. This conversation occurred today ( XX/XX/XXXX ) after spending 2 hours on hold waiting for an initial rep and then an additional 45 minutes of waiting on a resolution specialist after being transferred for a total of over 3 hours on the phone. 

I explained to them that I live paycheck to paycheck as it is, and with the current pandemic there is no way that I can resume payments until I have earned my degree at the end of Spring XXXX. They wanted to speak to my grandfather who is my cosigner but the man is over XXXX XXXX XXXX with his wife in and out of the hospital ( she just left the hospital yesterday XX/XX/XXXX ). This will be too much stress on him and he is not responsible for the loan. I am. Every time I have spoken to a representative in the past regarding my deferment and picking back up school they have not once disclosed to me that there is a max time of deferment. I also did not get any warning or notifications that my deferment max would be coming soon.
Complaint sub-issue: Banking errors

I enrolled in a promotion with Citibank. I upheld my part of the bargain, but they have not upheld theirs. They are refusing to credit me XXXX XXXX XXXX miles I am due for participating in this promotion. See attached letter, it explain everything, as well as supporting documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. Equifax has XXXX XXXX XXXX reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.
Complaint sub-issue: Transaction was not authorized

XXXX recently merged with PNC. I had a mortgage with XXXX, which transferred over to PNC in XXXX. PNC then created a virtual wallet account without my consent and started a monthly auto draft from this virtual wallet to pay the mortgage, which I also did not consent to. This auto draft could not be seen or managed on the PNC website. I paid my mortgage on XX/XX/2021 via ACH withdrawal from XXXX XXXX ( {$8400.00} ). Even though the payment went through just fine, PNC still withdrew the full mortgage payment amount from the PNC virtual wallet on XX/XX/2021. They then sent me an email saying that the wallet was now in overwithdrawal and demanded that I deposit over {$8000.00} within XXXX hours or get a overwithdrawal penalty - even though I did not authorize this extra payment on the mortgage. 

I called customer service, who said that they could not stop the payment. They said that I would be penalized with overwithdrawal fees if I did not deposit {$8000.00} within 24 hours. They also said that they were unable to stop future auto drafts from the virtual wallet on their end- they would have to forward the request to another department, which would take approximately 3 days to cancel FUTURE payments. They are FULLY aware that customers can not see or manage this auto draft on the website.
Complaint sub-issue: Problem with fees

I have a Citibank Visa card issued for Costco. I was charged automatically on the bank card in XXXX for Coscos annual fee. I never received any notification by mail phone or email until XX/XX/XXXX ( text ) saying i owed money and needed to make a payment immediately. Calling them trying to get it Resolved I was constantly transferred around and then eventually disconnected. Also trying to do it online becoming disconnected. Still am not receiving a statement of any sort or any resolution other than to pay the late fees which has more than doubled the amount originally charged. Also trying to cancel the card with no success.
Complaint sub-issue: Personal information

There are several names on my credit report. The only name I use or have used is XXXX XXXX XXXX All other names are not mine and I want them removed. Correct address is XXXX XXXX XXXX. XXXX, AZ XXXX. All other address are not valid and need to be removed.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX  Re : XXXX XXXX XXXX XXXX .

Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received.

The following account, XXXX XXXX XXXX XXXX. is listed as being 30-59 days late. This is inaccurate because I have never paid 30-59 days late.

I purchased a XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX  beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30-59 days late. After making 12 timely payments on theXX/XX/XXXXXXXX XXXX XXXX, I upgraded to a XX/XX/XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX XXXX XXXX., on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the negative listing being reported on my credit file by XXXX XXXX XXXX XXXX   .

She advised me that they were reporting the 30-59 days late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XX/XX/XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX to pay off the XX/XX/XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus.

Below is the account information on the XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date -XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX  VIN # XXXX Lienholder XXXX XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-59 days late pay off and not me. Therefore, XXXX XXXX XXXX XXXX. should no longer report this inaccurate information to Equifax.

Please correct this accounts inaccurate, negative status listed as 30-59 days past due, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction.

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX
Complaint sub-issue: Debt was result of identity theft

This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for total XXXX. After investigating with total XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information
Complaint sub-issue: Account information incorrect

I am writing to dispute  XXXX    XXXX    XXXX   XXXX  on credit report number  XXXX . The account status and high credit is incorrect. Please delete the account.     Please attached credit report.
Complaint sub-issue: Reinserted previously deleted info

i keep calling equifax about my personal info ion my report.they remove it and put back on other address to my file. 
1.XXXX XXXX ga XXXX 2.XXXX XXXX ca XXXX 3.XXXX XXXX az XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Complaint sub-issue: Account status incorrect

PLEASE NOTE THIS IS FOURTH TIME TO COMPLAINT EQUIFAX i had contacted many times EQUIFAX INFORMATION SERVICE LLC to remove  Unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 Unauthorized hard inquiry -XXXX/XXXX Inquiry from XX/XX/2018 -XXXX/XXXX Inquiry from XX/XX/2018
Complaint sub-issue: Debt is not yours

hello i owe debt to a bank which is named pnc bank it was a negative balance in my account that i did not owe they closed my account down with a negative balance in there and said i owed it i owe no balance i only just got pnc in XXXX i feel as if maybe somebody tried to get into my pnc and use money that was not mines or didnt belong to me therefore isnt my debt at all
Complaint sub-issue: Reporting company used your report improperly

I was " impacted '' by the Equifax data breach.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Investigation took more than 30 days

I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.
Complaint sub-issue: Account status

I opened a XXXX store credit card in 2010. I actively used my card to make purchases, was a loyal customer, never had any late or missed payments on the account, the creditor was never included in any bankruptcy filing, never received any communication from any court or attorney in regard to any bankruptcy, and has no first-hand information whatsoever regarding any such filing. Yet, this creditor has coded my account for bankruptcy and is communicating this status to the credit bureaus. When I disputed the matter with Equifax, they performed a cursory, automated verification and told me that the item has been reported correctly. When I wrote to XXXX XXXX ( XXXX ), they told me that the credit bureau notified them of a bankruptcy filing, so they updated the account, and would not change it. I do n't find this explanation satisfactory. They should not be able to send the same information back and forth between Equifax and XXXX, both citing the other as the source of the information, and claiming the information from the other party validates the information. It 's a circular argument. I 'm asking that the creditor remove the comments pertaining to bankruptcy on my account, or delete the account altogether due to their failure to respond to my dispute with any information to back up their claim. Thank you for your assistance. I 've attached some of my correspondence pertaining to this matter.
Complaint sub-issue: Information is not mine

I am a Victim of Identity theft. I have been working tirelessly to follow all the steps required to cure this. Police reports, Fraud Affidavits and contacting all the creditors. There have been several accounts opened in my name. After countless disputes to Equifax, they are still reporting this Fraudulent account. And verifying that this Fraudulently account, XXXX BANK & XXXX, XXXX is mines. 

Nothing could be further from the truth & it seems that Equifax is adamant to report an account that was opened due to Identity Theft on my credit report. It is true that this account was opened in my name. Although ... 

I did n't open this account. 
I had no knowledge of this account I never made any payments on this account I never received any bills for this account I never received any good or services from this account I never gave anyone consent to open any credit in my name, including this account On XXXX XXXX, 2016, Equifax deleted this from my credit file ( see the attached ). Then days later they began to re-report this Fraudulent account as mines. 

I do n't know what the problem is with Equifax & XXXX ... .. As this account was surely, 100 %, opened in my name. It was opened by someone else. *I DID NOT OPEN THIS ACCOUNT WITH MY AUTHORIZATION! I HAVE NEVER HAD ANY KNOWLEDGE OF THIS ACCOUNT* I am tired & frustrated regarding this same issue. This is the last Fraud accounts that is still being reported on my credit report. I have done EVERYTHING that I was supposed to do. With respect to protecting my identity & my consumer rights, there is an abundance of unscrupulous activity being used against me to permanently remove the fraudulent accounts from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair reporting act acct # XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.