Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

I have sent 3 dispute letters to Equifax asking them to provide proof that these accounts belong to me and that I agreed to pay the debt. They have 30 days to respond to each letter. They have only responded to the first one stating that they have investigated and they will not re investigate these accounts. They have not sent me any valid documents proving that the accounts are accurate and belong to me. according to the 609 Credit reporting Act it is against the law to report unverified accounts to a person 's credit report. If the accounts can not be verified then the credit bureau has to remove the accounts promptly. They have failed to do so. The last dispute letter was sent XX/XX/2017. They 've had more than enough time to provide me with proof that the accounts on my credit report belong to me. All three dispute letters were signed, notarized, and sent with certified mail. The unverified accounts that remain on my credit report are as follows : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX AF - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

THE CREDIT CARD COMPANY DICOVER CARD, IS CHARGING ME FOR AN AIR TICKET, THAT THE AIRLINE CANCELED, I HAVE SENT YOU PROOF THAT IT DOES NOT ACCEPT ANY VOUCHER, SEND YOU A NOTIFICATION FROM THE XXXX XXXXXXXX XXXX WHERE IT SAYS THAT A TICKET TICKET SAYS US, DIRECTLY WITH THE AIRLINE, I HAVE THE RIGHT TO A FULL REFUND AND THEY DO NOT WANT TO DO THAT ALSO THEY WANT TO REPORT ME LATE PAYMENTS FROM THE CARD BECAUSE I HAVE NOT MADE ANY PAYMENT CORRESPONDING TO THAT TICKET THAT WAS CANCELED
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESS/XXXX/ XXXX Balance {$55.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}
Complaint sub-issue: Account status incorrect

Equifax is still reported account from XXXX XXXX  on my credit report that is too old. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points higher with XXXX  and XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  ( XXXX ) Address : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( Equifax ) Inaccurate late reporting : XXXX - ( XXXX, Equifax & XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( XXXX & Equifax ) ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX, XXXX, Equifax ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/XXXX - ( XXXX & Equifax ) ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX  ) ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$3800.00} ( XXXX ) ; {$0.00} ( XXXX ) ; {$3300.00} ( Equifax ). This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  EQUIFAX MORTGAGE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

This account I c systems ( 11 attached XXXX XXXX ) on my credit record!!! has been transferred to a lot of differnt lenders!! It always shows different dates on my credit report when it's an old account because they keep transferring it to different lenders so the dates r always showing recent from this account!! when there actually from years ago!! Dates are not accurate it's an old account!! information is inaccurate!! Disputed it many times with XXXX XXXX to no avail!! This account has been removed from XXXX as of this month!!! It needs to be removed from XXXX XXXX as well!!!
Complaint sub-issue: Information belongs to someone else

I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX  & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " XXXX XXXX '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX property in XXXX Texas - Texas is inaccurately attempting to collect for early lease termination in 2017. 

Before moving out I tried to locate a new tenant, the property found one first and transferred my lease therefore no longer rendering me responsible for the lease. 

They are now claiming they do not have any record of this transfer. The management company has changed, and none of the same people work at the property, so they are unable to validate the debt, but still inaccurately claim I owe them. 

The property will not answer my calls, and the corporate office has admitted they can not validate the debt, but has refused to discontinue pursuing it.
Complaint sub-issue: Information is not mine

I have asked for Equifax to block fraudulent information and accounts from my credit file by filing XXXX online disputes and XXXX dispute by phone. Before submitting both online disputes, I made sure to attach my Identity Theft Affidavit that I printed from the Federal Trade Commission 's site and the Police Report that I filed with local law enforcement, outlining the fraudulent information and accounts. I also faxed all of the information to Equifax, with successful transmission, 9 times!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I cancelled a subscription service with XXXX XXXX, but Citi continued to pay them through my credit card. I disputed the charges twice on XX/XX/21, twice on XX/XX/21, four times on XX/XX/21, and twice on XX/XX/21. Citi decided they represent XXXX XXXX instead of their client, me, and sided with XXXX XXXX every time. I changed my credit card number, and Citi still allowed XXXX XXXX to charge my account. I called twice to inform them to stop paying, but Citi never stopped. The only way Citi would stop paying XXXX XXXX was for me to close my account, which impacts my credit score.
Complaint sub-issue: Received bad information about my loan

I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused.
Complaint sub-issue: Trouble getting, activating, or registering a card

on the XX/XX/XXXX I called social security which social security told me that direct Express has my payment since XX/XX/2019 I have yet to receive my card. Every time I call they can not verify my account not only that I sent in my identification twice and still have yet to receive my card I paid {$27.00} to have a extradited twice by XXXX is still haven't received my card my whole social security check is on this card and have not received my card please I need a solution
Complaint sub-issue: Their investigation did not fix an error on your report

equifax did not verify bankruptcy with the court i am demanding they remove the bankruptcy on my report it is not mine
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  accounts listed below. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

The balance shown is wrong on my XXXX credit file is wrong. The account is also paid in full but shows i have a balance of {$1300.00}. They FAILED to report my good payments for the months of XXXX, as the last update was generated on XX/XX/2020. I called them to dispute it but no action was taken.
Complaint sub-issue: Account status incorrect

Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Today XX/XX/XXXX I received a letter in the mail from Equifax stating the because I submitted a previous dispute they will not conduct a further investigation into my accounts. This is obviously a violation of my rights. 
Also upon checking my complaints with the cfpb the credit bureaus stated they will investigate my case within 60 days. I feel this is very unfair and that i am being taken advantage of and is also a violation of my rights. 
According to 15 USC 1681 & CFPB investigations should be completed within 30 days of receiving original dispute.
Complaint sub-issue: Reporting company used your report improperly

I was involved in the Equifax hack. I do n't yet know how it will involve me. I 'm super stressed about this.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

IQ Data International on XX/XX/XXXX put a collection on my credit reports. It was from an apartment complex in XXXX XXXX Minnesota ; after legally being able to get out of a lease - due to a fireplace that leaked smoke into the unit from adjoining units fireplace. This caused years of damage to my health, and smoke into the apartment. The apartment complex " XXXXXXXX XXXX XXXX XXXX '' claimed they remedy the situation, however according to a chimney inspector professional it was stated that the chimney needed to be rebuilt, as there were cracks in it. XXXX XXXX XXXXXXXX XXXX never took action upon this ; and just documented it on there records that it was fixed. Well due to this factor, and also a continued mold in the walls in the hvac closet & adjoining bathroom wall was a health hazard, and was repaired once, but thus came back again ( reverified in XXXX ), as I was looking at my old apartment # XXXX. However, in XX/XX/XXXX after battling XXXX and XXXX XXXX myself and other half had lost our only son at age XXXX. I with being XXXX was not able to work, and my other half could not continue working due to the stress effects after the death of our son. Therefore, I used the clause in the Lease agreement to move out, and get out of the lease. But, the apartment about 1 month after leaving billed me for a supposed Buy out of lease. The loss of income resulted in XXXX not having any other choice, but to move out and then we became homeless. The end result though was XXXX XXXX XXXXXXXX XXXX sent this non-paid bill to IQ Data International and as of XX/XX/XXXX in the amount of XXXX as a collections which went onto my credit reports. Still to this day almost 5 years later, I have been homeless & no apartments would let me rent and be on a lease. This has wrecked and caused so much anxiety & stress in life, and has ruined my life even more. My apartment at XXXX XXXX XXXX XXXX had been over a period of 13 years ... a very long term and good resident! Under the law regarding XXXX and XXXX XXXX it has applied to a discharge of my education loan, and also applies to Collections. I have contacted IQ Data International on many occasions via email, and the most recent was XX/XX/XXXX. As of XX/XX/XXXX there has been no response via email or my mailing address. I clearly stated this law with a Federal Document showing such, in addition to my verification of Permanent and Total XXXX proof that provided forgiveness to my education loans. This collection company is the worst ever, and plenty of reviews are on the internet that testify to this. IQ Data International if you call will be very rude, make threats, try to get someone to give them a credit card information and push paying the collection in full. There is no professionalism whatsoever, and ignoring my numerous requests is not in accordance with the law. I as a Permanent and Total XXXX individual, also with no income being exempt from this debt, qualifies for my collection to be completely removed from all credit bureaus ... .and immediate action taken.!!
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXXXXXX {$960.00}
Complaint sub-issue: Attempted to collect wrong amount

THIS COMPLAINT IS ABOUT EQUIFAX CREDIT REPORTING DETERMINE TO KEEP XXXX, XXXX AND XXXX, XXXX XXXX  ON MY CREDIT REPORT AFTER I HAVE ASKED FOR EQUIFAX TO PROVIDE PROOF FROM THE AMOUNT IS IN FACT INCORRECT. I HAVE REASONS TO BELIEVE XXXX, XXXX AND XXXX ARE INVOLVED IN A LAWSUIT NOW REGARDING FASIFYING DOCUMENT WITH THE COURT SYSTEM. XXXX XXXX HAS CONTINUE TO FASIFY INFORMATION TO EQUIFAX THAT THEY WERE NEVER A THIRD PARTY THAT WAS NEVER EXPLAINED IN WRITING THERE WOULD BE CONSEQUENCES IN THE EVENT THE REAIMING BILL WAS NEVER PAID. XXXX XXXX HAS CLOSED THE ACCOUNT WITH NO COLLECTION AGENCY INVOLED, SO WHY IS EQUIFAX CONTINUE TO ACCEPT FALSE INFORMATION FROM THEM?
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am a natural living being and have the right under 15 U.S. Code 1681 and Equifax is governed under 15 U.S. code 1681 and they have violated my rights numerous times. Equifax has openly admitted to reporting false credit scores on consumers credit report in 2022. Furthermore, their " IDENTIFIED '' data furnisher XXXX has removed all public records and inaccurate data from its data base and provided me with their updated credit report to reflect this. However, Equifax refuses to remove this data. Also, I have the right to privacy15 U.S 1681 and I did not give Equifax permission to furnish any information on my behalf. At this time I'm demanding the following public records be removed permanently from my report. Equifax has failed to exercise its grave responsibility to report 100 % accurate information. I demand the following items ( s ) be removed from my credit report immediately or pay me as entitled {$1000.00} immediately for each violation. This has caused harm to me by being denied credit, and higher interest rates ** Items to be removed** Bankruptcy case # XXXX
Complaint sub-issue: Information belongs to someone else

NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX, SINCE I HAVE BEEN A VICTIM OF N IDENTITY THEFT, BUT FOR SOME REASON XXXX   REFUSES TO HELP ME IN RESOLVING THIS ISSUE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.