Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I can't remember the exact date but the {$XXXX} Is not mine and all these others things on my credit
Complaint sub-issue: Other problem getting your report or credit score

Complaint on Equifax Credit Bureau I am in the middle of refinancing my home mortgage and always I have trouble unfreezing my credit file with Equifax. 
They don't have enough people to help the customers, very difficult to get hold of real person to talk to and get help, very arrogant customer care people, unfriendly to customers, their phone systems are very bad at recognizing the human voice and also differentiating human voice and background noise. 


Problem : Tried logging in to their online account https : //my.equifax.com/membercenter/ XXXX XXXX  to lift my security freeze temporarily, but their system not letting me login. Contacted them over the phone and talked to the agent. Sent all the docs requested to resolve the issue. On XX/XX/2020 received the email that the issue has been fixed. When I tried to login today XX/XX/2020 still same issue. 
Tried again calling the customer service and prompted to answer few questions to verify my identity but their phone system is so bad that it's taking little background noises as my answers and rejected to continue my call. After lot of trouble I could hold of real person to talk to and explained my issue. Again they requested to send the docs and refused to unfreeze my credit file temporarily inspite of telling them that I could answer any question to verify my identity but they refused to do so because the phone system did already and I failed it seems. I really don't understand phone system ( which is already bad ) or real humans doing verification is reliable. They are relying on the phone system which is faulty, bad and not reliable. They don't even have email system to send my documents to verify my identity and instead asked me to send the documents physically which is actually more insecure way to send them. ( could lost in the transit, could land in wrong people etc ). 

Bottom line is Equifax is the company to keep customers in trouble, cause pain and frustration. They don't have any inclination to help the issue and resolve them honestly. 
I really don't understand how could this company is approved to operate having so many customers lives in their hands. They can't even resolve any technical online login issues of customers immediately and put them under so much pain and frustration.
Complaint sub-issue: Information belongs to someone else

The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you XXXX
Complaint sub-issue: Account information incorrect

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX  XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX  XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Complaint sub-issue: Their investigation did not fix an error on your report

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. Equifax XXXX # XXXX, Equifax XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( 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 the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$430.00} XXXX XXXX {$16000.00} XXXX XXXX {$27000.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX {$91.00}
Complaint sub-issue: Reporting company used your report improperly

According to Equifax, my information was likely compromised in a security breach. Equifax failed to protect my personal information, which may now be used to misrepresent my identity and harm my credit or incur costs to me. This has required me to pursue various means to protect my credit and identity which i would not have otherwise been required to take.
Complaint sub-issue: Account information incorrect

My XXXX payment was late by 2 days ( not sure if this was a mail issue or a processing issue but I use recurring computer banking so wasn't my issue ). As I use computer banking, I trust payments made correctly ( as for the XXXX year on the account ). When I explained what happened all the fees were refunded as is good customer service. My concern is reporting to the credit bureaus. I'm not sure missing by 2 days ( which was NOT my fault ) should create bureau reporting. I also don't think it's fair to continually report me as late when I'm paying the minimum amount ( forgetting the continual adding of fees ).
Complaint sub-issue: Report provided to employer without your written authorization

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name According to the FCRA, these unverified and unauthorized inquiries must be remove.

CREDIT BUREAU : EQUIFAX CREDETOR NAME : GUARANTEE LOAN SERVICES
Complaint sub-issue: Collected or attempted to collect exempt funds

XXXX XXXX XXXX XXXX is named in a lawsuit as owner of my home. I am requesting document to show they own my home or every owned my home. I also would like any copies of assignments, billing, accounting details, etc from inception of loan.
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 XXXX XXXX, 2022. And now we are in the month of XXXX 2022 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 : US DEPT ED XXXX US DEPT ED XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX Equifax XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Complaint sub-issue: Debt is not mine

I had an account for internet services with XXXX XXXX and had canceled the service. After I had called to cancel, they continued to bill me without my knowledge. I then received a bill many months after saying that I had an outstanding balance. I informed them that I had canceled the service and they still billed me even after that conversation. I do not owe them the {$520.00} they say I do. It has gone to a debt collector who continues to try to collect. The collections company has this shown on my credit report.
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 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. 

I have asked XXXX, Equifax and XXXX for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX Equifax and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX with absolutely no response. 
so my question is if I cant get propper validation from XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called XXXX XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, they would n't help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my Equifax, XXXX and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted Equifax, XXXX and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Complaint sub-issue: Was not notified of investigation status or results

I have requested from Fedloan Servicing the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different Fed Loan student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120 day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

THE BANK XXXX XXXX XXXX {$0.00} ;
Complaint sub-issue: Information belongs to someone else

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( equifax and XXXX ). This is a violation of FCRA and if XXXX XXXX XXXX violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX  account # XXXX. 
XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXXXXXX REC account # XXXX 15 U.S.C 1981 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: Account status incorrect

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Public record

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 someone at my previous address opened a XXXX XXXX   service in my name. The bill came to my current address and I called direct tv to tel them know it wasnt opened by me. It was a fraudulent account made by the new tenants at my previous address. I got a police report and a verification letter from XXXX XXXX and they closed the account. I sent the letter and police report and letter from XXXX XXXX but equifax did not dilete hard inquire and Ive disputed this over 4 times. My wife didnt have a proble getting it removed off here credit from Equifax but they are not working with me.
Complaint sub-issue: Account status

By law the the credit reporting agecies are to removed items on credit report past 7 sevens years
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Complaint sub-issue: Problem with fees charged

Signed contract in XXXX XXXX California for a lease of XXXX XXXX XXXX XXXX Set payment INCLUDING sales taxes was XXXX per month. US BANK unilaterally, and without proper documentation or notice, raised the lease payment monthly rate in XX/XX/XXXX to XXXX per month. They refuse to provide documentation and claim a change in sales taxes, however no such change in the state of California occurred. They are committing fraud by changing rates and then not providing adequate explanation or recourse.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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: Information belongs to someone else

I checked both my XXXX and equifax reports and noticed a significant decline in my fico. I checked the details to see a XXXX XXXX / XXXX XXXX account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. Although there has been a little improvement, I still haven't received this via dispute response from any of the bureaus. As of today I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.