Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor are the addresses on file.
Complaint sub-issue: Public record information inaccurate

After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.
Complaint sub-issue: Debt is not yours

I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me
Complaint sub-issue: Information belongs to someone else

i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p ) & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My information was included in the equifax data breach in 2017.
Complaint sub-issue: Account status

car dealer cancelled sale car was broke XXXX put it as repossession false info the car was broke and unfixable by XXXX contact info XXXX XXXX XXXX or XXXX XXXX XXXX can contact dealer.
Complaint sub-issue: Old information reappears or never goes away

Filed dispute with Equifax over incorrect information from XXXX XXXX ( charge-off in XXXX, first delinquency XX/XX/XXXX ). XXXX had failed to cancel my account and continued billing, part of a hot mess when they took over from XXXX XXXX XXXX. I have multiple records supporting their incompetence. 

Equifax updated the record to show a " last reported '' date of XX/XX/XXXX. The credit score generated by them is XXXX points lower than that generated by the other credit bureaus. Their own credit score explanation gives " serious delinquency, date too recent or unknown '' as the primary factor impacting my score. This is preventing me from refinancing my home. The date is entirely within Equifax 's control ; they are responsible.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX after had hired a credit repair law firm in XX/XX/XXXX. My credit score allowed the due process to get a home finance. A loan. I applied with a XXXX XXXX XXXX. My first application on XX/XX/XXXX was denied, because a credit reporting agency had reported a XXXX collections. I owed no debt and the information was incorrect. I contacted the credit bureau reporting it and requested they remove it. I was denied. I returned a phone call to the XXXX XXXX XXXX office. I gave the documents that supported the right for the removal of the collections debt reporting on my credit report withholding the home finance application from due process. The XXXX XXXX XXXX - loan officer had contacted the Credit Bureaus and without incident it was removed. XXXX XXXX XXXX had gotten me the home finance approval as long as my credit report pulled XX/XX/XXXX had no debt /collections reported. The Credit report pulled XX/XX/XXXX approved the process of the home finance. I needed the small down payment for the purchase. etc. I was reported in collections with a payday loan XXXX XXXX XXXX   XXXX redress XX/XX/XXXX. The personal down payment loan assistance and investigation for the return of theft of account going back to XX/XX/XXXX expired the home finance approved XX/XX/XXXX. On XX/XX/XXXX I was notified of a data breach going back to XX/XX/XXXX. XXXX XXXX. In review of credit reports for XX/XX/XXXX & XX/XX/XXXX the information reported by XXXX XXXX XXXX in the collections debt retains 4 debts. Yet on that date of the Inquiry 's it was expressed that XX/XX/XXXX the home finance was approved to process the application and pay the down payment. Down payment was needed so i applied for what i am applicable for in reference to a credit card, financial, tax identity theft indicator prepared by the Department of Treasury. IRS going back to XX/XX/XXXX placing a id theft indicator on account XX/XX/XXXX with credit repair in XX/XX/XXXX for the having of a credit score for the personal loan for down payment assistance. I had no intentions to have to go back to XX/XX/XXXX to remove fraud and etc the FTC XXXX settlement. I contacted XXXX XXXX XXXX in reference to the above information assisting i the undersigned in contacting a company. : XXXX XXXX for my credit report XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX XXXX are unable to provide me with a copy or letter affirming its assistance in removal of a debt and therefore the 2 credit reports furnished by XXXX are as equal to provide customer of each credit report on the dates of my 2 credit Inquiry were XX/XX/XXXX & XX/XX/XXXX. : XXXX XXXX XXXX if followed by more XXXX XXXX reporting inquiry to be removed in XX/XX/XXXX. Data Breach XX/XX/XXXX XXXX XXXX credit reports for XX/XX/XXXX and XX/XX/XXXX state totally other than the home finance inqury 's a application. as processed in the information provided.
Complaint sub-issue: Their investigation did not fix an error on your report

Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send
Complaint sub-issue: Information belongs to someone else

I spoke to a rep from Equifax today XX/XX/2021 and our call got disconnected in the process of removing these unauthorized items. I called back and this new rep was rude and refused to follow the law. on XX/XX/2021 they receieved a FTC report with my verifiying information and she says they dont have to follow the law. 
Worker id XXXX said they are the only ones that can vaildate the information which is not true i told her what the law says and she was not listening They are violating my rights as a consumer and i demand these items be removed. They are supposed to report Fair and Accurate information and they are not.

My next step will be legal and i seeking monetary relief. I just dont understand why Equifax thinks they dont have to follow the law.. the FCRA is for me and to protect me against these types of issues. And the CFPB is suppose to make sure they comply. look up law and you can clearly see they are in violation. and unless Equifax or the CFPB can swear under the penalty of perjury that they know these inquires are true they have to remove them.

15 U.S. Code 1681b - Permissible purposes of consumer reports
Complaint sub-issue: Information belongs to someone else

These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

i do not owe XXXX any money.. i do not have no contract with this company..
Complaint sub-issue: Report improperly shared by CRC

Equifax Information Services , LLC . refuses to send a updated and corrected copy of my consumer credit report and file to XXXX, XXXX and XXXX , XXXX. 
The XXXX National Consumer Credit Reporting agencies ...
Complaint sub-issue: Problem with personal statement of dispute

Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX accessed my account for a hard inquiry without my permission or authorization
Complaint sub-issue: Information belongs to someone else

I have an item on my credit report from XXXX, Equifax, & XXXX  that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX  has a 30 late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from XXXX. I have been waiting over 90 days. Under the FCRA this late payment should be deleted immediately due to lack of response.
Complaint sub-issue: Reporting company used your report improperly

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Problem with customer service

My son XXXX XXXX purchased tickets to XXXX from XXXX XXXX. He was informed by XXXX XXXX that flight has been canceled due to Pandemic so we requested Citibank to give the credit of approx. {$580.00}. They took their own time to investigate and finally came to us after few months that XXXX XXXX is not agreeing to take the charge. Inspite of early action i.e. letting Citibank to dispute the transaction because of Pandemic no action was taken by them. 

Today i called them and was told that resolution period has ended and i would be losing my hard earned money because of inappropriate actions by Citibank. I request that i am reimbursed with the cost of tickets as flying in XXXX was not possible and even more Airline canceled the ticket. i have attached email received from XXXX XXXX for reference.
Complaint sub-issue: Problem with fees

This is a follow up complaint Referring to my prior complaint # XXXX XXXX XXXX. 
The company absolved me of the disputed {$600.00} and removed x1 XXXX $ late fee. 

The company is now giving me a minimum payment of {$300.00} due on XXXX XXXX. I just received this notification letter via mail XXXX XXXX. 

This amount includes interest charges on the disputed {$630.00}. 

The late fees from OcXXXX XXXX XXXX  add up to {$220.00}. The interest fees add up to {$20.00}. XXXX + XXXX. Not XXXX. A difference of {$66.00}. 

I was denied previously that all late fees and interest be removed due to my 6 months of trying to contact this company via multiple sources and them denying my dispute in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account : US Department of Education/XXXX  for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$210.00} on 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX auto account XXXX has violated my rights, XXXX XXXX XXXX section XXXX states i have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : a creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I place reservation for 2 tickets to XXXX, AZ. With XXXX XXXX. I cancelled them an hour later. Amount was {$780.00}. Around XX/XX/XXXX I looked at my Citibank statement online, and noticed 2 purchases for airline tickets for {$480.00}, and it said XXXX XXXX on the statement. When I contacted Citibank, I explained I had made a purchase of 2 tickets, but cancelled them, and not to XXXX XXXX. The person said I should cancel card and report fraud. Around the XXXX I called to see why the charges were still on statement. They transferred me to fraud division, and they said I made the reservations, and so it was not fraud. I called XXXX XXXX, and they explained that the frights were cancelled and Citibank should have gotten their refund. They told me I made the reservations in XXXX XXXX pounds, and that is why the charge was {$480.00}. I called the credit card company again, and explained the mix up that made me think it was fraud. They reversed the one charge for {$480.00}, but not he other one. On XX/XX/XXXX I called credit card company and they said I owed them for {$480.00}, and would not give me a refund. They also said they didnt get a refund from XXXX. I called XXXX XXXX and they sent me a email on XX/XX/XXXX stating that two refunds in the amount of {$480.00} were refunded to my MasterCard, and they gave me ticket # s, and  tracking # s to give to Citibank. When I called and gave them to XXXX at Citibank, she said she would forward them to the right dept. on Sunday, XXXX XXXX, I pull up my Citibank app, and Charges were still on there, and they had a note that my account was closed. I had told them that they lied to me, and they got their refund on XXXX, but I get one, and they want me to pay for the other! I also got a letter from the Securty Operations Service Team stating the investigation is closed and since it was not fraud, the disputed charges would not be removed. How was I to know I that I did it in XXXX, and when I saw the statement for two charges for a different amount then the XXXX, and XXXX XXXX on the online statement, I naturally thought someone had gotten my card and charged 2 tickets to XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
Complaint sub-issue: Can't use card to make purchases

Discover has placed a hold on my credit card ending in XXXX for the second time and I send in documents and my bank statements and other important docs and now they have me resend them again and starting its all over again .. and I already done this on a pending application for a second discover card and the fraud dept refused to merge the documents over .. and now I have to wait more additional time for it comes back to XXXX and I dont trust XXXX with my information since Ive been a victim of fraud with them in the past I dont know if I want keep this credit card open since its a only a {$500.00} credit limit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account XXXX : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX DPT EDXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

Bankruptcy on all three credit reports should be off my account as of XX/XX/2022, and it's still on all three credit reports. Agencies trying to collect debts that I know nothing about and I've received nothing from them and then it just keeps getting sold and it starts all over again on my account and its been on all 3 for years and years and years and the credit agencies keep allowing this. No matter who the debt collector is, I have never received documentation therefore by law they can not be putting it on the credit report, they're not communicating and then they're selling it and it's starting over and over and over on my credit report for the rest of my life, this is not legal. Credit reporting agencies are allowing anyone to run backgrounds on me without my knowledge or approval. I have a legal documents from the courts that have dismissed my student loans and they need to be closed out on all three reports and they are not and I have given that legal document over and over and over to all three reports to no avail, this document is signed by a judge. My name is spelled many different ways on my credit report and I have provided them the legal documentation that shows the proper spelling and I've asked them several times to correct this issue and they have failed to comply along with not deleting after two years the incorrect addresses.
Complaint sub-issue: Public record information inaccurate

This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of Equifax. The additional information submitted comes from Equifax acknowledging their egregious behavior regarding safeguarding my personal information.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

XXXX
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}