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

I reached out to EQUIFAX INC. In the form of an affidavit on XX/XX/2022 via Priority Express Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX EQUIFAX INC. Upon receiving this information I drafted another letter and mailed it out to EQUIFAX INC. as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called EQUIFAX on XXXX XXXX to inquire about the notice that was recieved and EQUIFAX INC. stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, EQUIFAX recieved a second Notice of Default which was signed for by the same individual. I called EQUIFAX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. EQUIFAX INC. stated to me again that they have not received any documents from. 
EQUIFAX INC unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize EQUIFAX INC. to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Complaint sub-issue: Information belongs to someone else

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX
Complaint sub-issue: Personal information incorrect

I changed my name legally XX/XX/XXXX, got married XX/XX/XXXX, and moved XX/XX/XXXX - I called all 3 credit bureaus XX/XX/XXXX to confirm my name and address was correct & all 3 told it was ... fastforward to XX/XX/XXXX & my mortgage lender says their request for my credit score came back as fraudulent from Equifax. 
I called Equifax 's customer care number on XX/XX/XXXX about getting my name and address updated & was directed to email, fax, or mail my Driver 's License & Social Security Card so that I could make sure there's no additional freeze or block & advise my mortgage lender to pull my credit score from Equifax again. I sent this via email & received " The reference number for this inquiry is Case #  XXXX. We have received your inquiry and are working diligently to process it. However, due to higher-than-normal email volume, there may be a slight delay in our response time. '' I called back XX/XX/XXXX and was told that they still need my documents, email is not a sufficient method of submission, and they don't have access to customer.care@equifax.com even though it was provided to me, also that my case # didn't help them with absolutely anything. They insisted I fax it, 10 attempts were all busy & failed. I called back and was provided the mailing address so now I have sent it that way too. On XXXX I got an email saying " I would like to inform you that your request has been completed '' I called the customer care number again and was told to resubmit my documents. I wrote a lengthy email back asking what I am supposed to do to actually get it completed. I was told it was being forwarded to the correct department & on XXXX received another confirmation that it was complete. I called customer care a 4th time to be told to resubmit my documents ... XXXX I was asked to provide court documents so I did & XX/XX/XXXX I got another email that this was complete, I replied to ask that they check themselves whether my name and address are updated before I call and get really upset, they replied XX/XX/XXXX " Upon review, please allow 5-7 business days for your request to show as the correct information. '' Please help me, I am unable to get approved for a loan or first-time home buyer 's down payment assistance because my Equifax credit score will not pull. I am at their mercy, their customer care center is in a foreign country, and no one at Equifax will help no matter how I submit my information.
Complaint sub-issue: Need information about your loan balance or loan terms

I had a meeting with XXXX rep and with the XXXX to go over my records from High school which had XXXX plan and recommendations. 
Discussion any accommodation would be honored and that teachers can assist me if needed help. 
I was pleased/ excited knowing XXXX XXXX would be there to help me accelerate in academically. 
Classes that attended Composition Writing essays Problem Solving was a math class which I needed assistance with math binary I reached out to the teacher. His response was really don't know this stuff. I never asked him for help ever. I was embarrassed and felt useless. 
STRATEGIES FOR THE TECHNICAL PROFESSION lab class to take a computer apart and put it back together. Reality not class needed since I was not building a computer or going into that kind of field INTRODUCTION TO PERSONAL COMPUTERS this was learning how to turn on/off the computer. How move a curser around. How to create an email. This was useless because at this time computers have been out over decade. 
OPERATING SYSTEMSINTRODUCTION TO COMPUTER PROGRAMMIN class learning components of a computer. Learning parts and where to buy them. I was not in the field of building a computer I felt they XXXX  to me about meeting my needs in the academic part and lack of support. I felt emotionally lowered my self esteem when I asked for help. 
Class being offered were meant for a XXXX technician or repair tech. Education offered did not match to the field/career I was aiming I filled out borrower defense application XX/XX/2020 Financial Department rep had all the paper work ready. Loans didn't cover all the cost. Arrangement was made for me to bring payments to the office lasted for few months. The rest were loans which I can pay after graduation up to 6 months. 

Never told me interest will still accrued if payment weren't made. I found out on my own nature of the loans and cost of the school would bring me into debt for life. 

Failed to inform me kinds of loans or interest if they were fixed or variable. Increments for each quarter was shown therefor wouldn't realize full amount of the loan. Didn't explain if they were Private or Federal loans.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I made a cash advance that totaled {$1000.00} with my Citi AAdvantage Mastercard ( account ending in XXXX ). Unknown to me, my credit card was then hacked, spoofed, or whatever the term is. And someone that was NOT ME made two more cash advances as the same place for the same amounts ( XX/XX/XXXX for {$1000.00} and XX/XX/XXXX for {$1000.0

0} ). I was unaware of this fraudulent transaction. Approximately two weeks later, when reviewing my statement, I noticed these two fraudulent charges. I called the company. We reviewed all my charges prior, these two charges, and all the charges afterwards. I told them that I was responsible for many charges prior and after, but I was NOT responsible for these TWO
cash advances. We closed the account and had a new card account issued as a result.

On XX/XX/XXXX, I received a letter from the bank stating that the NO CREDIT would be issued for these two fraudulent charges. The reason : " Valid charges were made with the credit care issued in the name of XXXX XXXX XXXX both before and after the disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''.

This reason is nonsensical. I already agreed and affirmed valid charges with the company after I reviewed my statement. This is what caused me to call the company : these two fraudulent charges. My card and associated information was obviously hacked at the machine and malign actors used this to steal ~ $ XXXX in cash advances. The reason specified by the company makes no sense. I attempted over the last 2 months to call and get more information and rationale, but to no avail. 

I am being denied protections afforded to me under the Economic Growth, Regulatory Relief, and Consumer Protection Act and the Fair Credit Reporting Act and I request immediate remedy.
Complaint sub-issue: Received bad information about your loan

FedLoan servicing reported to XXXX this month that I was 120 days late on my student loan. I paid all my loans off with them as of XX/XX/2019 when I consolidated with XXXX. When I called them they told me they had not report to the credit bureaus since XX/XX/2019, which I proof that they have on my credit reports. They are impacting my credit since are report 16 accounts with them as currently 120 days late which they can not be since I OWED NO MONEY. They are impacting my ability to buy a home, buy a car or even if a job I apply to needs to look at my credit report. I want this mistake cleared ASAP
Complaint sub-issue: Was not notified of investigation status or results

I have tried to reach out to Discover several times about them reporting something on my personal credit without my permission or authorization. They have ignored me and said they will reach out to me several times but has not taken any action.
Complaint sub-issue: Account information incorrect

I have made two separate complaints to XXXX  and Equifax about information being reported twice from the XXXX XXXX  since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with XXXX, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted XXXX XXXX  and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/XXXX with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA 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
Complaint sub-issue: Reporting company used your report improperly

I have supress and frozen my report with this company 2 times and had old information remove which is still showing up in there data base after they have sent me a file that clearly states that they went in my favor and delete all inaccurate information I have ask Lexisnexis to send me proof of verification which never have been giving to me they just send incorrect information through a machine that is not correct at all they never had a conversation with a human to verify this wrong information on me please help me get this put behind me with XXXX  and XXXX inside is information they have told me to sent to get this bankruptcy remove thats not mines
Complaint sub-issue: Card opened as result of identity theft or fraud

I am required to pay, at this time for a debt that I did not incur. Citibank failed to properly secure and protect me from Identity Theft. I received a letter from Citibank notifying that I had unusual activity on my card or activity not familiar with my habits. Turns out, they mailed me a Citibank XXXX, via Brooks Brothers department store. I NEVER received the card. To date, no card. Activity for a XXXX store. My cell phone accounts are with XXXX. I have never had any business with XXXX. 
There were two transactions on the same date ; for {$130.00} and {$840.00}. I explained to the representatives, twice, that I received no card. Also, the first person that I spoke with in XXXX or very early XXXX explained that the card was verified and pin requested. I have other cards through Citibank and have never asked for a PIN on a credit card for this very reason ; not enough protection when issued via phone. 
They sent me a billing statement indicating that I owe {$130.00}. I owe NOTHING. At the first call, because they did not protect me, I advised the person to cancel the card. Not sure if they did. Also, they indicate on the billing statement that the card ends in XXXX, but the charges are for a card ending in XXXX. Not sure why two diff erent account numbers on one statement? Need an explanation. Citibank messed this up. As a bank, it appears their controls to protect customers using a PIN failed.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXX  account for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Debt is not yours

Conns XXXX XXXX started calling me on XX/XX/XXXX. Thwy are looking for someone named XXXX. I received 2 calls on the XXXX, XXXX on the XXXX, XXXX on the XXXX, 1 on the XXXX and one today ( XX/XX/20 ). I have explained to them that they have the wrong number. I have blocked their number, and now Im issuing this complaint. Each time I block a number, they call from a new one. When I tell them that there is not an XXXX here and that this has been my number for over a decade they say that Ill be removed. Sadly, they just keep calling me. If this continues, I will have to contact a lawyer and sue.
Complaint sub-issue: Debt was paid

There are two collection on my XXXX credit report that AR Resources claims as not paid. XXXX XXXX XXXX was the primary creditor that reported to collections two XXXX each charges to collection on XX/XX/XXXX under account number XXXX. AR Resources held both accounts at that time and still claim these services are not paid as of XXXX XXXX XXXX. 
Both accounts where paid in full on XXXX XXXX XXXX through XXXX Credit Card payments on file in there system. Those co-payment charges where for office visits on XXXX XXXX XXXX and XXXX XXXX XXXX in the amount of {$25.00} each visit and additional fee 's of {$7.00} each. 
XXXX XXXX XXXX will confirm both AR Resource collection where paid to there office and can be contacted at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX C/O two accounts under XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX and XXXX 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: Account information incorrect

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
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 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 XXXXXXXX, have 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 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: Information belongs to someone else

I have tried several times to remove information and they refuse to furnish signature for the erroneous information. Under FCRA I demand proof of these inquires. Signatures!
Complaint sub-issue: Their investigation did not fix an error on your report

A new account was added to my credit report with Equifax XX/XX/XXXX listed as XXXX {$5500.00}, however it shows no 'open date '. I disputed this with Equifax on XX/XX/XXXX via a letter as this is an old account ( over 7 years ) originally with XXXX which was already deleted from my report for being aged ( see photo ). It was the resold to a collection agency called XXXX XXXX ( this account was ALSO deleted for being aged at 7 years at the same time as XXXX being deleted. However, it was added to my report via XXXX  XX/XX/XXXX. Equifax opened an investigation re : XXXX between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX Equifax closed the investigation and left the account on my report. However what they ALSO did at this time during the re-investigation is delete the part on XXXX XXXX in the ( things that have changed on your report ) section where it shows the date they added XXXX to my report. It USED to say it was added XX/XX/XXXX in the " things that have changed section '', but they deleted that all together when i filed a dispute. If this is legit then that shouldn't have been deleted as it is a part of the account history. They added XXXX to my report on XX/XX/XXXX, why are they hiding that fact that used to show? Fortunately, l have a copy of the email XXXX XXXX sent me when XXXX was added to my report with Equifax on XX/XX/XXXX ( took a photo of this email as proof ). 

This account was originally from XXXX. XXXX was deleted from my credit report between XX/XX/XXXX - XX/XX/XXXX for being aged at 7 years ( photo included ) .This account was then sold to XXXX XXXX where it was ALSO deleted at the same time as XXXX for being aged at 7 years ( between XX/XX/XXXX - XXXX XXXX, XXXX. It was then sold again to XXXX who added it to my report where it sits today, but since it is aged at 7 years, it shouldn't be on there.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

THE WORK NUMBER WILL NOT PUT A SECURITY FREEZE ON MY FILE, OR REMOVE EMPLOYERS OR EMPLOYEE ADDRESSES AND EMPLOYEE NAME. 
THE WORK NUMBER MUST HAVE A MIX FILE.I HAVE TRIED CALLING THEM
Complaint sub-issue: Frequent or repeated calls

On Tuesday the XXXX of XX/XX/2020 starting at XXXX eastern standard time I have received 6 calls from conns to collect a payment that is due. I feel extremely harassed and I am appalled that during a time of crisis in the country and economy that this would be considered acceptable. I am considering legal action through and attorney because I feel harassed but am willing to see the resolution from the company before I make that determination.
Complaint sub-issue: Information belongs to someone else

I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from XXXX XXXX dated in XXXX. In XXXX, I was XXXX  years old and have never done any business with XXXX XXXX or any of their affiliates. I contacted XX/XX/XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.