Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I called Equifax to have the information they are reporting removed from my report that they were sharing. I also sent 2 letters to Equifax stating that this information should be removed and that the finding of their investigation was not verified. They have refused to comply with the rights that I have as a consumer. The investigation says that XXXX XXXX verified this information. However, XXXX XXXX sent a letter stating that they had removed the information and that Equifax knew and still refused to remove it. The information they are sharing has impacted and continues to impact my reputation and standard of living. Equifax continues violate a number of my rights under 15 USC 1681 even after the source they used removed the information. I have attached the letter showing this information.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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: Reporting company used your report improperly

All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter dated XXXX/XXXX/2017 alleging I owe XXXX XXXX XXXX XXXX XXXX on XXXX different accounts. I do owe them for XXXX emergency room visit, which I am making agreed upon payments which their letter had the incorrect balance. I have no knowledge of what this Collection Agency is talking about.
Complaint sub-issue: Delay in processing application

went on XXXX  website for credit card offer XXXX with no interest 14 or 15 months free interest on balance transfers o yearly fees XXXX to XXXX variable interest based on credit worthiness applied and approved in a few minutes then on XXXX got citi bank info in mail about interest charges two days later got letter from citi bank saying during our routine monitoring, we discovered suspicious activity on a new citi XXXX  XXXX account in your name we need to confirm this is your account before any additional charges will be allowed call XXXX so i called on XXXX XXXX different times got hung up on after identifying my social number cell number secret question i ask for the girls name and how to spell her name she said XXXX and is from the XXXX. she put me on hold when i ask her what was going on what is suspicious? i have not got a card with an account number yet nor i cant activate something i have not relieved. then she put me on hold then hung up on me. i have tried several times with no avail. very discouraging when you get scammed on one of the credit reporting bureaus website.i have the mail the sent me and keeping it. i have reported this to the federal trade commission as well. Note : on the XXXX  website it shows citi checked my report but shows i owe more then i do exactly what i was approved {$5700.00} but it does not show what or where or how i owe the {$5700.00} at this pint so i can not dispute what is not there. going to call XXXX and have a talk with them see what they say on XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  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 status incorrect

I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Complaint sub-issue: Problem with personal statement of dispute

Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my [ ... ]
Complaint sub-issue: Account information incorrect

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am requesting you remove this item immediately. The XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer ) -Accounts reported in error-Incorrect Account Number, Account number not consistent with other agency reporting
Complaint sub-issue: Account status incorrect

XX/XX/XXXX both my credit report and husbands showed on XXXX  the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Complaint sub-issue: Reporting company used your report improperly

Equifax violated my Privacy Rights as a Veteran without my permission. Also spoke about my personal identity when there are laws against not protecting my name, address, and reporting false errors hurting my good name and FCRA. 
Equifax was hacked several years ago and just violated a few of my Privacy rights without even contacting me. 
Equifax had a chance to prove to me why they kept unknown collection accounts in my credit report. The last four years Equifax hasn't responded five times to my disputes. I mailed another dispute a week ago to Equifax I decided to file this complaint because they won't report my findings of errors as a Veteran. 
This has hurt my borrowing other monies and lost out on homes because I didn't meet score requirements because Equifax refused to remove errors while violating my Privacy Rights, electronic communications, non disclosure statues, user authentication rights, OMB Guidance on Computer Cookies, and Government Paper Work Elimination Act as a VA Privacy Policy and it's hurt me as a Veteran and consumer.
Complaint sub-issue: Information belongs to someone else

Here we go again. Every 2-3 months my credit file is incorrect, wrong, and XXXX. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and XXXX XXXX XXXX fraudulent debt on my credit file. It ISN'T fair! It caused me a V.A. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly!!
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.

DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information ENTEGY is furnishing.

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE XXXX DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX SHOWN AFTER CHARGEOFF HIGH CREDIT-DIFFER FROM XXXX, XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE LAST ACTIVE-DATE XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATE DIFFER FROM XXXX, XXXX & EQUIFAX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX  complied with this requirement.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Can't use card to make purchases

This bank is crazy Im a loyal customer with my macys and Bloomingdales I recently applied and was approved for my XXXX macys and they shut down everything and its not fair I want my accounts reopened the reason the letter makes no sense returned payments in last 6 months their is no balance and then I called the credit team they Sais Im right and these accounts shouldve never been closed they said their eligible to be Reinstated what they have done to me is wrong cut off my charging orivigled and these letters with the reason make no sense after a review of my account what review if I pay on time and this makes no sense they said their executive office closed my accounts and is blaming the credit team the number on the letter
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX do not know how this works but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL ( XXXX ) XXXX ( XXXX ) XXXX my income was effected buy COVID19 Pandemic shut down and under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). it allows for accommodations XXXX XXXX XXXX # XXXX account is reporting late on XXXX I request for some help and was told to file a dispute and ALL late payments would be updated to current of positive status please delete. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.
Complaint sub-issue: Other problem getting your report or credit score

During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company Sallie Mae the reported my son and myself for late payment for 90 days, violating federal rules. I called sallie mae and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from sallie mae called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to Sallie Mae. 

My son is making payment on these loan and they have don't care about poor students, Sallie mae use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to sallie mae and the rejected our request. 

I want Sallie mae to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on Sallie Mae regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.
Complaint sub-issue: Account status incorrect

I recently looked at my credit report and it shows I have two late payments showing on my credit report from XXXX. I am a current student at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called XXXX this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to XXXX from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.
Complaint sub-issue: Account information incorrect

I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED EQUIFAX SEVERAL TIMES ( 7 ) TO HELP FIX THIS PROBLEM, BUT THE WHAT IT IS THEY JUST DONT CARE. I HAVE SEVERAL ACCOUNTS ON MY FILE WITH EQUIFAX THAT ARE FRAUD! I HAVE SENT OVER POILCE REPORTS AND MY ID SEVERAL TIMES AND WITHIN THREE DAYS OF THE DISPUTE IT SAYS COMPLETED. THEY FINALLY REMOVED AND BLOCKED A FRAUD ADDRESS BUT THE ADDRESS LINKED TO THAT ADDRESS ARE STILL ON MY FILE. HOW CRAZY IS THAT. I HAVE ACCOUNTS ON MY REPORT THAT ARE FRAUD AND THE PEOPLE WHO STOLE MY IDENTITY HAVE BEEN ALREADY BEEN TO TRIAL AND FOUND GUILTY AND SENT TO JAIL, XXXX XXXX LOAN OFFICER ( XXXX XXXX, XXXX WHICH IS THE BRANCH MANGER, AND THE OLD CEO IS ON THE RUN SOMEWHERE IN NJ. THEN XXXX XXXX BOUGHT A TRUCK UNDER MY NAME ONLINE WITH A BLANK CHECK PROGRAM THROUGH XXXX XXXX  AND IT WAS RECOVERED WHEN HE WAS ARRESTED AT XXXX XXXX XXXX, XXXX SC XXXX. ALL I WANT IS MY ACCOUNTS THAT ARENT MINE TO BE REMOVED AND BLOCKED FROM MY ACCOUNT. 1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I HAVE ATTACHED A POILCE REPORT TO THIS COMPLAINT WITH A COPY OF MY ID. XXXX PLEASE STOP BLOCKING MY PERSONAL ADDRESS OF XXXX XXXX XXXX XXXX, XXXX NC XXXX. IF NOT REMOVED I WILL SINK LEGAL ACTIONS AGAINST EQUIFAX. NOW I CANT EVEN GO ONLINE TO DISPUTE ANYTHING, EQUIFAX HAS ME BLOCKED FOR SOME REASON AND THEY KEEP SAYING WE ARE SENDING IT UP TO I.T. DEPARTMENT TO FIX YOUR PROBLEM AND IT NEVER HAPPENS.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX an unauthorized withdrawal of {$1000.00} was attempted from my checking account. Because balance in account was low, the withdrawal was declined. On XX/XX/XXXX I visited the bank to close this account and alert bank to fraudulent activity. The bank employee put a " hold '' and " watch '' on this account so as not to disrupt my ss deposit on XX/XX/XXXX. I also opened a new checking account. 
A second attempt at a {$1000.00} withdrawal occurred on XX/XX/XXXX and was successful. 
I visited the bank on XX/XX/XXXX and closed both checking accounts and a savings account. 
The company attempting to steal from my account is COINBASE with headquarters in XXXX XXXX, CA. 
When I called the company number XXXX to shut down my account ( XX/XX/XXXX ) the person I spoke to ( XXXX XXXX ), requested that I load software to my computer so he could remotely access my computer. Why would he need access to my computer to shut down my account???? Permission was not granted and I disconnected conversation. 
I have notified COINBASE via letter dated XX/XX/XXXX to close my account. 
This person also called my cellular provider and changed my account to a different provider, and I could no longer use my cell phone. 
This security breach has been an ongoing nightmare.
Complaint sub-issue: Investigation took more than 30 days

I requested and received copies of my credit report from XXXX, XXXX and Equifax. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT EDXXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, XXXX and Equifax did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, Equifax and XXXX. Attachments include account names, account numbers and violations.
Complaint sub-issue: You never received your bill or did not know a payment was due

I own a discover card and was going through a financial hardship and missed a payment of XXXX on one month