Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

Originally tried to get equifax credit report online XX/XX/2020 Failed. Sent drivers license and social security card. After 2 MONTHS of waiting for them to acknowledge they actually got it, was able to login to myequifax.com. 
4 Months later, tried to login to myequifax.com. ran into same issue, they wanted me to send in another copy of drivers license and ss card. Explained I did that in XX/XX/2020. They refused to reset the myequifax account online. The questioned asked had nothing to do with me. The XXXX support desk accent was so bad, I could not understand any of the questions. They refused to admit that I had already sent them the paperwork, 6 months ago, they refused to admit that the myequifax account worked 2 months ago.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've been a victim of identity theft in the past. Time past and I start seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contacted each of the bureaus. its been over 60 days and they have yet to correct this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} Equifax XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.
Complaint sub-issue: Report improperly shared by CRC

Equifax , is sharing my private credit information with others who are not me without my permission.
Complaint sub-issue: Account opened as a result of fraud

Albert working under XXXX XXXX XXXXXXXX. Allowed an account to be opened that was not authorized and was opened due to identity theft. With a stolen Email address XXXX, Albert then proceeded to attempt to advise that fraudulent charges that occurred on the account could not be disputed due to " Unusual activity '' with the account. I advised that the charges made on the account were not my charges. Someone stole my wallet and opened the account, Albert never verified any information and continued to open the account without clearing the fraud alert on my consumer files. Albert also allowed fraudulent charges to occur for an advance I never received the advance was then charged to the account for {$200.00} after I advised I never received the advance I was told too bad they can withdrawal that and I owe it because of something I never agreed to. Following that Albert allowed many fraudulent charges to occur from a XXXX I reached out to this merchant who confirmed the charges were fraudulent, I sent that communication tXXXX XXXX The merchant attempted to refund all fraud charges on XX/XX/XXXX. Albert proceeded to tell me the refunds were blocked because the account was " Suspended '' Due to " Unusual activity '' And that they can block refunds. Albert then advised me to go ahead and go back to the merchant and tell them to reissue the credits that they will unblock the account. I did and the merchant was highly upset because they already issued the credits. Albert then proceeds to dispute the charges and then later a month later, advises me they found no error that the merchant confirmed all charges were rendered. I advised thats not true because the merchant emailed me telling me they were fraudulent and confirmed so, and also advised they tried to issue a refund. Albert told me they do not care, they do not have to allow merchant refunds to go through because of unusual activity and that they take supposed security to great lengths. Again I feel that is false since they continue to fraud the account themselves. Albert then proceeds to tell me I owe the {$970.00} FRAUDULENT Dollars they deemed no error occurred on. When I asked why the merchant confirmed it was fraud but Albert confirmed it was not and they told me I can ask for Documentation. So I did and all it says is Dispute revoked. You can clearly see in their documentation from Albert where the merchant tried issuing credits on XX/XX/XXXX and Albert BLOCKED All of the refunds. I feel like this continues to violate my consumer rights, I have provided all documentation and PROOF from the merchant stating these are fraud, and albert is abusing peoples account 's by denying refunds of fraudulent charges and telling me they can do so when an account is suspended. For supposed UNUSUAL AcTIVITY FOR AN ACCOUNT I NEVER OPENED. Again Albert refuses to assist and this claim is not resolved. They blocked the merchant credits, and I will take this to visa and mastercard if necessary.
Complaint sub-issue: Problem during payment process

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 90 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX and XXXX 90 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX I was XXXX overseas during this time and had difficulties making online payments, but I paid as soon as I was back in the states. Now I am applying for a home mortgage and it is impacting my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

States that a potential creditor or employer pulled my credit file because of an application, this was not done or authorized by myself, would like the hard credit pull removed please.
Complaint sub-issue: Personal information incorrect

I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX : I submitted my employment certification form for qualification under the Public Service Loan Forgiveness program. At about that time, my federal loans were transferred to XXXX XXXX as they are the servicing company for all lenders in the PSLF program. 

XX/XX/XXXX : I learned that only eight payments and eleven payments were identified as qualified payments for the PSLF program for the two loans serviced by XXXX. Each loan, in reality, should have close to 100 qualifying payments toward the 120 minimum. 

XX/XX/XXXX : I called XXXX to discuss this issue. They told me that they would review the details of my repayment and to call back to learn more, about a month later. 

XX/XX/XXXX : I called XXXX again to inquire about the qualification of those payments. I was told that a large batch of lenders were transferred to XXXX and their system inaccurately counted the number of qualifying payments when they were transferred. To rectify this, individual assessments of hundreds, or likely, thousands of lenders was required to arrive at the correct number of qualifying payments. This representative concurred with me, that many of my payments were both made on time and under the correct repayment plans. Because of the individual assessments, it would be some time to get this rectified and that I should check in on a regular basis ; which I've done and continue to do. It was estimated that it would take another six to eight weeks. I was told that my case would be " elevated '' to a supervisor for more immediate resolution. 

XXXX - XX/XX/XXXX : I called XXXX again to inquire about the qualification of those payments. I was told that a backlog of these issues would push off the conclusion of my case for another eight to twelve weeks. I was told again that my case would be " elevated '' to a supervisor for more immediate resolution. 

XX/XX/XXXX : I called XXXX again to inquire about the qualification of these payments. I was told that the backlog continued and that it would likely be a total of six to eight months for my case to be resolved. I was told again that my case would be " elevated. '' It was at this point that I realized that I was being given the run around. I was connected with a supervisor who admitted that they don't know how long it will be until these issues are resolved and further that previous " elevations '' to a supervisor never took place and that no supervisor was working on my case. 

Ultimately, this has been a very frustrating process whereby XXXX continues to lead me on in the belief that there is some point in time that this will be solved. What's worse is they have mislead me to believe that some action was taking place on their part, when in fact, their own notes of my case do not show any " elevation '' of my case to a supervisor. Further, I don't even know if the payment program I'm in now is counting towards the PSLF qualifying payments since the number of qualifying payments is still at eight and eleven, despite eight months passing since I had my loans transferred.
Complaint sub-issue: Card opened as result of identity theft or fraud

A credit card was fraudulently opened under my name in XX/XX/XXXX.i never applied nor had this card and Ive been disputing as well as made a police report on this as well, a gentleman by the name of XXXX XXXX stole my identity opened auto loans and credit cards and also stolen my father information and opened business cards under his name and took {$19000.00} out of one card through a XXXX  app
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

On numerous attempts Ive tried emailing and calling money lion to update my banking information so that I dont have a late payment on my report however it was not done and I have 2 late payments on my report.
Complaint sub-issue: Reporting company used your report improperly

I applied for an auto loan and was under the impression there would only be 1 inquiry produced from it. However, it produced many inquiries on different dates and times. These are the companies listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with XXXX  which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including XXXX This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as XXXX charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.
Complaint sub-issue: Information belongs to someone else

Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/XXXXis not reporting that I have a revolving installment secured XXXX Visa. I want this problem corrected so that my credit score will reflect as much.
Complaint sub-issue: Information belongs to someone else

Hello, To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Complaint sub-issue: Account information incorrect

Discover is reporting false information to the credit agencies. There have been several attempts to correct this information but Discover will not provide the correct information. An account with Discover was included in a chapter XXXX. However, no payments were ever missed on this account up to the Chapter XXXX, and once that began Discover received a payment settlement from the courts. However, according to the credit agencies, Discover has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Discover is holding this back. I'm not saying Discover isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX  ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.