Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

On XXXX-XXXX-2017, I file a complaint against Equifax with complaint number XXXX. about inquires that was reported on my credit report due to fraud! I have viewed my credit report again and as of XXXX-XXXX-17 there are certain inquiries that sting show on my report. In the response from EquiFax, from complaint number XXXX They have stated that XXXX XXXXXXXX and XXXX XXXX XXXX is not currently shows on my reports by them. Again, as of XXXX-XXXX-17, these inquiries are still present on my credit profile.
Equifax, have failed to not only comply with what was stated in their reply to my complaint against them. Equifax, has fail to comply with the Fair Credit Reporting Act Section 1681b ( c ) and continue to report these items is an serious breach of my privacy right.
I am now moving forward to file a compliant with the Attorney General Office and the Better Business Bureau for non compliance of State and Federal law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX  CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS 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: Account information incorrect

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX reports XX/XX/XXXXXXXX  reportsXX/XX/XXXX Equifax reports XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2020, I sent Equifax a dispute letter re : FDCPA Section 807 Violation Misleading False Reporting from Republic. This alleged debt remains on my credit report. without being verified. I am unable to locate Republic 's contact information as it is not anywhere on my credit report and this is a violation of 615 - 15 U.S.C. 1681m. Therefore, I have no way of contacting them to request debt validation. Apparently this account belongs to someone else Please help me with getting this alleged debt from my credit report.
Complaint sub-issue: Account information incorrect

On XX/XX/2018, I sent the attached letter to Equifax requesting they verify the name being reported on the account. I received notification that the account was verified and remains on my report. This is impossible as the account does not belong to me and is NOT in my name and never was at any point per XXXX XXXX. I don't understand how Equifax is stating they verified my name as being reported for this account. My rights are being violated per FCRA and request this gets re-looked at and immediately removed.
Complaint sub-issue: Account status incorrect

The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Other problem

Discover Card offers 1 year no interest witn a rewards match, then cancels your card around 11 months when the balance is full. Saddling you w a high interest debt, no rewards points and no credit line : as well as credit damage. The amount of people experiencing this issue mixed with the financial benefit of cancelling match rewards and locking people into a high interest that discover has, and the sheer number of victims on online forums, I believe discover is engaging in this practice with predatory intent. Additionally they did not disclose the cash over purchase interest rates to me. I would like for my account to be reinstated and reported as such to bureaus.
Complaint sub-issue: Account status incorrect

MY STUDENT LOANS IS WITH GREAT LAKES. IN THE YEAR XX/XX/XXXX, I MOVED FROM XXXX TO MISSOURI. I NOTIFY GREAT LAKES OF THE ADDRESS CHANGE AND I ALSO REQUEST DEFERRMENTS ( FINANCIAL HARDSHIP ). THEY SAID OVER THE PHONE, NO PROBLEM THEY WILL PUT THE ACCOUNT IN DEFERR. NOW THEY ARE SAYING THAT THEY HAVE NO KNOWLEDGE OF THE PHONE CALLS NOR THE DOCUMENTS THAT I HAD TO FAX. THEY HAVE MULTIPLE LATEPAYMENTS SHOWING 90,120,150 DAYS LATE. TOTALLING THE ENTIRE YEAR OF XX/XX/XXXX. UNDER THE FAIR CREDIT BILLING ACT, THEY MUST PROVIDE ME RIGHTS WHEN A CHANGE OF ADDRESS OCCUR. UNDER THE FCRA I HAVE THE RIGHT TO DISPUTE ANYTHING ON MY CREDIT REPORT FOR ACCURACY. SO I DISPUTED WITH THE CREDIT BUREAUS AND THEY SAID THE INFORMATION WAS ACCURATED, SO I DECIDED TO CALL THEM DIRECTLY AND THE LADY REFUSED TO FILE THE DISPUTE WHICH IS A VIOLATION OF THE FCRA. I TOLD HER IT WAS A VIOLATION, SO SHE SAID HOLD ON AND SHE CAME BACK ON THE PHONE AND SAID HAVE YOU MOVE, I SAID YES, SO SHE SAID ITS NOT OUR PROBLEM, AND TO LEARN HOW TO BE MORE RESPONSIBLE.
Complaint sub-issue: Frequent or repeated calls

XXXX, XXXX, XXXX XXXX had a male whom identified himself as the XXXX County Police call me to say I'd be served in court for a 20 year old credit card debt that was charged off. They call to harass and threaten me, and I have requested they discontinue calling me.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I filed a dispute with Credit karma, because I tried to withdraw cash from an atm, But Received No Cash or Receipt, but the Money subtracted from my balance. When I filed the dispute Credit Karma closed my Account and have not contacted me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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: Information belongs to someone else

It is a fraudulent account on my credit, XXXX is the original creditor from XXXX XXXX XXXX. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Complaint sub-issue: Account status incorrect

I am client with Equifax XXXX for credit report i paid XXXX $ and XXXX $ respectively for credit report which i have got the report. Now i want to cancel my subscription also remove my credit card details. In their online service website doesnt have options to cancel the subscription nor they have option to delete my credit card details. since they provide credit report online and take payment online. Why they do not have option to cancel the subscription. When i spoke to them they do not have supervisor or manager to answer my questions no they have call transfer facility. They always technical difficulties. I feel scammed reason being they do not operate 24/7. Refused to proceed my request to cancel the subscription on my first call.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX XXXX XXXX acquired the mortgage from XXXX XXXX. 

On XX/XX/, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Complaint sub-issue: Problem with customer service

I moved to XXXX in XXXX. When I first moved here, Nelnet accepted monthly student  loan  payments in XXXX funds with XXXX checks sent in the mail. Then suddenly they required those checks to be in US funds, so I opened a US checking account here and sent my payments that way. Then suddenly those got mailed back to me, and Nelnet said they no longer would accept them because they have a " foreign routing number ''. So, I would get a US bank draft every month and then mail the payments. Mail from here to US is unpredictable and payments often arrived late ( they would not accept post dated checks either ), the bank fee was $ XXXX and a hassle, so I inquired if there was another way to pay. They said they do indeed make exceptions for XXXX  residing customers and would allow payment by phone with my credit card. ( Online bill pay doesn't work either, nor does my debit card here -- because my bank is considered to have a " foreign routing number ''. ) For credit card payment I had to phone a NON toll free number, though. Anyway, that worked for about a year and was very convenient. Then I went on a XXXX  XXXX, and qualified for $ XXXX payments for a year on the income driven repayment plan. Now, I am back to needing to make monthly payments. I phoned just the other day to make my first one, called the NON toll free number as I had before, the teller entered my credit card information and then put me on hold approximately 3 times for 10 minutes each ( NON toll free! ) because she was unable to process the payment. Turns out, Nelnet no longer accepts credit card payments for XXXX  residing borrowers. She said " we used to do this all the time, I hadn't known the policy changed ''. She says the only two options I have now are to 1 ) have a family member residing in the US pay my monthly student loan amount for me ( ha!!! ) or, 2 ) POSSIBLY that a pre-paid XXXX  card would work. I will not burden someone else with making my student loan payments for me every month, and I find it appalling that the US student loan provider does not have an option for me to do this. When I asked if the pre-paid card method would work, all she could say was, " I don't know for sure, but you can try it. '' Why would I go to the trouble of buying the pre-paid card, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? 
Why does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad. 
She had no other options for me. Get a family member to pay it, or buy a pre-paid card and try again but " it might not work ''. 
I refuse to call back and try this. If Nelnet wants me to make payments on my loans, from XXXX, they need to come up with an easy and fast way for me to do this. It is XXXX.
Complaint sub-issue: Problem making or receiving payments

I want to sync my account with a budget building app to help me with my finances but they wont allow me to do so
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021
Complaint sub-issue: Account information incorrect

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$100.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$280.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$220.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$1300.00} Original Creditor : XXXX XXXX XXXX Act. #  XXXX Balance {$200.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the HIPAA, Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX acct 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 instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Complaint sub-issue: Contacted your employer

Veros credit collector XXXX XXXX has repeatedly contacted me at work despite being told numerous times not to. I have told them verbally and in writing to not call me at work and to not contact my employer. They have continued to do so. I had verbally told them in XX/XX/XXXX, then in writing on XX/XX/XXXX. The final and more recent time was XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020, I was notified by XXXX XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from Equifax. Since these are hard pulls, they negatively impact my credit score. As requested by Equifax, in XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull. 

In late XXXX, I filed yet another complaint with Equifax via the CFPB portal to get this resolved, also attaching the requested correspondence from XXXX XXXX, but Equifax conducted no investigation and closed this complaint out. This is still listed as a hard inquiry on my Equifax credit report, which negatively impacts my overall score. Additionally, it is completely fraudulent, so it needs to be removed immediately.