Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get a new credit card and a mortgage loan. Every time any lender tries to get my information from Equifax it gives them a frozen or information unavailable notice. No one other than me logging into a Equifax account I created can get the credit score/report. This is causing me huge headaches and issues in my life. I cant view it on a free credit report, XXXXXXXX XXXX  hasn't updated since XXXX, and no lender has been able to get anything since XXXX. I have tried to resolve with Equifax at least 10 times and either get told everything is fine or that it must be the lenders fault. I have been ignored hung up on and overlooked. I have confirmed that nothing is frozen on my end. Overall i just need people to be able to access my credit
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Mailed validation letter to company on XXXX requesting validation. Received a response on XX/XX/17 stating they have requested information from company. 
Vance and Huffman stated on their website that this inormation would NOT be listed on my credit report. It is listed as a collection. 
I have contacted the XXXX XXXX of XXXX inquiring if this company is license and bonded in Texas to collect. I have been informed that they are not licensed in Texas. The XXXX XXXX of XXXX requires you to be licensed and bonded to collect in Texas.
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 1861 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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: Account status incorrect

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted my disputes to the XXXX major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I paid my credit card off in the amount of {$2500.00}. Iprior came back from the company saying payment not made. This happens like 3 times however on XX/XX/XXXX XXXX the payment was made with both myself the bank I do business with and Citibank the company holding the credit card for Home Depot. I made the payment however prior trying to paid by phone i sent them a pay bill by mobile check arrived to Citibank, and they posted that amount to may account too, which I did not owe anything. So I now have a credit. I immediately called the bank. They said they could not send the money back to the account I wrote the check from it had to be the one set up with the account pay which does not accept ACH payments. I told them that. But they insisted it wasnt an ach payment. 3 weeks later I have not seen a refund or a call from Citibank. So I called. They said my bank didnt accept ACH. Duh. So they said they had to mail it. On that day XX/XX/XXXX I was told it would take 7 to 10 days. The check never came. I have called them every 2 week. The last time this month of XX/XX/XXXX. XXXX. The woman said she would escalate it to the executive office. They would call me back. To remember we are on limited access because of the coronavirus. How can I help REMEMBERING. I have XXXX grands in my house and I needed my money to survive. We lost our phones cause we cant pay our Bill 's. We are about to lose out electric. Needless to say no one called. I called again on XX/XX/XXXX. I was told a check was going to be sent in 10 days. I begged them to please overnight. I even said did pay for the fee to express mail it. They do not do that I'm told. We verified my address again. They have told me they have sent it 2 times. I've asked my neighbors which it's a close neighborhood. If they got my mail they'd give it to me. So on the XXXX I called again and was told the check again was sent on XX/XX/XXXX. To wait until the XXXX of XXXX. Which is today. 
This has caused hardship. I want the envelopes showing the check returned. I do not believe they have ever sent this check. And I need help. My family is in dire straits XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent both XXXX/Equifax a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.
Complaint sub-issue: Information is missing that should be on the report

I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please. 
XXXX  XXXX  I have 2 accounts that should be removed from my credit report
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 XXXX Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX  Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXX Balance {$12000.00}, all 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 written instructions.

15 U.S.C. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Complaint sub-issue: Public record information inaccurate

on XX/XX/2020 I wrote to XXXX  and Equifax credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but Equifax and XXXX  do not have any numbers or addresses listed on their credit report so i can contact them. XXXX  and Equifax are reporting inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am being violated according to my studies of the fcra. I have been disputing with XXXX equifax and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation
Complaint sub-issue: Billing problem

I as a consumer and natural person am being accused of owing a alleged debt. I sent them a notice to cease and desist as well as a full satisfaction of claim in good faith on the dates of the XXXX and XXXX of XXXX in which they have yet to send back to me or satisfy. They continually dishonor my cease and desist notice by sending me statements that I owe as well as harassment while im working by continued phone calls. These pratices are unlawful and violate my rights as a consumer. As a result of these practices, I am distressed and my peace of mind has been taken. I am planning on sending them another affidavit to request the original instrument of indebtedness as well as a final notice in good faith to stop all collections activity until all demands in the notice have been rebutted. It is a Fact that I am a federally protected consumer and it is my right to enforce my rights by the XXXX XXXX XXXX XXXX. They still have 30 days from the intial notice of the affidavit of truth enforcing full satisfaction on XX/XX/2020 to do what is right and lawful as stated in UCC 3-311. Still they have violated my rights as stated in 15 U.S.Code 1692c, that after a notice they can not continue to harass me over a alleged debt. I send this complaint to make aware of the practices of VEROS CREDIT LLC which I allegedly owe in hopes to protect other peoples peace and personal information. I also have reason to believe that they unlawfully share false information and have not offered me a option of disclosure of my personal information as my data and information are very valuable to me and I perfer to keep it private. They have made multiple attempts to pull money from my bank account in which I didnt have enough money and left me in overdraft. This is effecting my living situation and my social and financial stability and is considered abuse to me. It is likely that they used my personal information to imply that I gave them authority to pull money out of my account. There has been more then 27 missed calls since the initial notice to cease and desist on the date of XXXX of XX/XX/2020. Please I ask of you to investigate the lawfulness of there practices for I do not wish to file for arbitration however if it is nessasary and these practices continue on there behalf, I will have no choice but to take legal action and demand further remedy. Thank you.
Complaint sub-issue: Other problem getting your report or credit score

I have tried four time to get my consumer report from LEXIS NEXIS. I submitted a copy of my driver 's license and they are denying me access to my consumer report and file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. XXXX : EQUIFAX- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX EQUIFAX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

have disputed with all three-credit bureau to have fraud inquiries remove
Complaint sub-issue: Their investigation did not fix an error on your report

Credit reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was received numerous emails from XXXX XXXX and Credco. I have XXXX inquires from XXXX mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what Credco is. These two companies somehow was able to pull my credit by obtaining my social security number.
Complaint sub-issue: Reporting company used your report improperly

I tried to sign up for the fraud alert offered by Equifax and have had a terrible time doing it. I started the computer-based process on XX/XX/XXXX and was told after entering a small amount of information to come back to the site to complete the process the next day. Why? That is but the first oddity. Upon following that instruction on XX/XX/XXXX, I had a question, so decided to call. Thus started the fall down the rabbit hole. Busy, busy, busy, then on hold, on hold, on hold, and an hour went by, then all of a sudden the phone went to a busy signal again! I started the call process again just out of sheer cussedness and after another 45 minutes reached a person. I quickly determined that she did not know what she was talking about and could not answer my question. 
Although frustrated, I played around on the computer a bit more and found the page to complete the fraud alert registration, and discovered that they want me to enter all kinds of sensitive information, i.e. Social Security number, date of birth, my middle name! Are they crazy? They already compromised my financial information by allowing it to get hacked, and now they want me to put it into cyberspace again, just in case the criminals missed something the first time! Can you help with this craziness?
Complaint sub-issue: Investigation took more than 30 days

New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am XXXX  Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information
Complaint sub-issue: Information belongs to someone else

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) XXXX ( 14 ) Equifax ( 12 ) Open Accounts Reported - XXXX  ( 14 ) XXXX  ( 2 ) Equifax ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) XXXX ( 12 ) Equifax ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) XXXX  ( 1 ) Equifax ( 1 ) Derogatory Accounts Reported - XXXX ( 12 ) XXXX ( 11 ) Equifax ( 8 ) Collections Accounts Reported - XXXX ( 11 ) XXXX ( 10 ) Equifax ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) XXXX ( {$26000.00} ) Equifax ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) XXXX ( {$13.00} ) Equifax ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) XXXX  ( 3 ) Equifax ( 7 )
Complaint sub-issue: Public record

The judgments that are showing on my credit report, were entered by third party and not by XXXX XXXX nor the Court, this third party reporting is against the law and has created an negative impact on my credit score. And is stopping me from succeeding with my life.
Complaint sub-issue: Don't agree with fees charged

Went to XXXX and took out a student loan. I just found out they took out XXXX loans on me. How do I fix this. It is not fair for me to try to pay XXXX loans when I only took out XXXX. I 've called the school and Nelnet but no one wants to help me. I called a lawyer and he sent me to you. Please help me.
Complaint sub-issue: Debt is not yours

ACIMA CREDIT XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the company said I owe them the amount of {$2000.00} dollar. They just put it on my credit report with out a notice or chance to dispute the debt. The collection has been reported as charge-Off. this company does not have contract with my signature
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX Card Services Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I buy a car in the process something was not right with the sale..I agree with the financial and dealer to closes..they explained to me the financial language will negative in my side but because is another way to let happened... they refund some money by electronic deposit and final send me Small check to closed in positive the agreement..in the process when my account stared to collapse collection company buy this account. My original financial account closed (, not exist in the records ) and collection NEVER show up untill this XXXX reported in my credit that I owed them..after I denied that I don't owe anything to them they send me to Court I do show I REQUESTED before judge where is the proof my responsibility with them they never did.just because they said the original financial is where they requested this money .I told the judge that account is closed in good terms as agreement between the dealership and financial and me. And then the judge ask for investigation... time past is not investigation made because the account is not exist anymore. Finally I got the Court for trial..is pending for XXXX ... and my question is the evidence to collections present is bunch of page without any information..plus the dates are wrong the amount I pay in the original not mach is Several mistakes and not included that in credit is damage because all my credit decrease drastically for their report account..not even when the original financial collapse my contract was affected the way this people intended to do.. please help me and educated me what's my options to removes this XXXX people of me.i was planing to buy me a house and right on the time my credit was good everything denied because this people set up a debit was not longer in my record.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights.
Complaint sub-issue: Attempted to collect wrong amount

The debt in reference is incorrect. I received an email and letter stating the amount of this loan was reduced as XXXX XXXX XXXX  overcharged me for services and was refunding a credit to the account which has not applied as promised.
Complaint sub-issue: Account information incorrect

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
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: Account status incorrect

I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
Citi/Costco credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called Citi and they told me XXXX had to take care of the situation, so back and forth we went. Citi said they would credit one months interest back as I refused to accept their version. Citi  eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.
Complaint sub-issue: Account status incorrect

XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XXXX LATE REPORTING IS ON XXXX XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME