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

Equifax failed to remove unauthorized accounts on my credit report under 15 USC 1681a3. Equifax never obtained any consent from the creditor and did not have permissible purposed to give XXXX XXXX access to My credit report. Equifax violated my right to privacy and have been unfair and partial towards me. 15 USC 1681b2 requires Equifax to have permissible purpose before giving access to my credit report. On XX/XX/2022, Equifax representatives informed me that they could not provide a copy of my consent, or permissible purpose provided by the fraudulent creditor, because they did not have any and did not require it in order to give access to my credit report. This call is recorded. Equifax failed to assure the maximum accuracy of the information concerning me as it relates to my credit report. 15 USC 1681e ( b ) makes it clear that it is the job of Equifax to assure the accuracy before placing false information on my credit report. Equifax informed me that they do not have to do that and if I do not agree with that the creditor has placed, it is my job to contact that creditor. Equifax informed me that they do not conduct an investigation, they give the information to the creditor, and if the creditor says it is valid, they will continue to furnish the information. This is a direct violation of the Fair Credit Reporting Act. 15 USC 1681i states that Equifax if responsible for looking at my information and making an impartial, fair decision with respect to my privacy. 
In their last response to my investigation, Equifax admitted to not investigating my dispute. They gave the information I produced to the creditor ( including the identity theft report and police report ), and allowed the fraud to continue reporting on my account. This is harmful to me and my life. This is hurting my children and myself. This is illegal and a violation of the FCRA. Equifax does not abide by the law and must be held responsible.
Complaint sub-issue: Deposits and withdrawals

i use XXXX for my XXXX investments but pnc won't let me i need to be able to sendmy money from XXXX to my account with pnc
Complaint sub-issue: Problem getting your free annual credit report

STILL can not obtain my FREE ANNUAL CREDIT REPORT from Equifax. I have mailed them the documents they asked for in XXXX, XXXX, and XXXX of 2020. They are receiving my documents. Now they have closed off my online access to view a soft copy of my report on XXXX See attached. These guys are straight ridiculous and have denied me access to my credit report for TWO YEARS NOW. It hasn't been fixed, they cut and paste that I need to mail them the documents I've sent MULTIPLE TIMES JUST THIS YEAR. SEND ME MY REPORT THAT I'M ENTITLED TO VIEW UNDER MY FCRA RIGHTS.
Complaint sub-issue: Information belongs to someone else

Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on XXXX, Equifax, and XXXX. It was list twice on all 3 bureaus. I disputed them and Equifax and XXXX removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. 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 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: Deposits and withdrawals

Someone got into my Citibank account and deposited two fraudulent checks for XXXX dollars a piece. One of the checks cleared and the person then took the money and used XXXX XXXX to pay themselves with the money. Afterwards the check bounced and I was left XXXX dollars in the bank. The individual even tried to pay XXXX dollars using my Citibank credit card to an XXXX XXXX, for products. I lost my phone and wallet when this occurred but was later recovered from the restaurant I was in. Citibank has informed me to not worry as they escalated the situation and closed my account and told me to open a new personal checking account. I do not want to be responsible for paying back the bank if they deem the investigation a failure. I do not have the money to deal with such a problem like this. This is very ridiculous and I just want to be protected at all costs.
Complaint sub-issue: Account information incorrect

I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

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 XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX/XXXX  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Complaint sub-issue: Not given enough info to verify debt

I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Complaint sub-issue: No notice of investigation status/result

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.
Complaint sub-issue: Received bad information about your loan

I am now eligible for PSLF due to the limited waiver from XX/XX/XXXX and qualify for forgiveness on the loan that I have paid on successfully for over 15 years while I've been employed by the Federal govt. I had tried to apply prior for loan forgiveness, but was told my loans didn't qualify. I followed the directions for the limited waiver to consolidate my prior loans into a direct loan, which I did on XX/XX/XXXX. Once I received notice that the direct loan was completed on XXXX XXXX, XXXX, I submitted the PSLF application on XXXX XXXX, XXXX. I then get an email XXXX XXXX XXXX, XXXX from Fed Loan Servicing saying I have only made one qualifying payment and in my online account with them it is saying employment not certified. But, to even submit the PSLF form, I had to have my employment certified by my Federal agency, which I did. I called the PSLF number listed on Dept of Ed site, XXXX on Mon. XXXX XXXX, XXXX and was told that I yes, had 1 qualifying payment but the agent could not answer any PSLF questions. I hung up and thought about it more, and wasn't satisfied with that answer so called back again, waited on hold, spoke to an agent who said he could not answer PSLF questions, so he then transferred me to PSLF line and waited on hold again. The agent that handled my call was able to provide more information and was able to determine that my payments were considered prior consolidation payments but there is no way to track that online or know the progress that Dept of Ed is making to review to see if those payments count or not. I then logged into my account on Dept of Ed/XXXX and it's saying that I'm not eligible for PSLF and that I have not been in repayment for at least 10 years and do not yet qualify for PSLF. At this point, I have no idea if I will receive forgiveness or not and who can help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I pulled my credit report and seen this account claiming i owe the amount of {$1100.00} from this company named L J ROSS ASSOCIATES, i an not aware of this company or debt.
Complaint sub-issue: Public record

Equifax is continually reporting inaccurate information although I have provided documentation to the contrary twice before. The issue is under the category Public Records, Equifax is reporting that I have a civil judgement of eviction, this is incorrect. 
I was not evicted from my apartment ; I was able to pay the rent arrears in full before a court-appointed deadline. I only received a Notice of Petition -- I was never evicted from my apartment. I have provided documentation of my XXXX County Civil Court Case Summary showing : ( 1 ) I was granted XXXX extensions and then a full payment was made. 
( 2 ) The vacate judgment outcome is Inactive and Discontinued ( not a judgment of eviction ), meaning it was paid before the court-appointed deadline ; therefore, no civil judgment made. 
I have contacted the other XXXX credit bureaus, both bureaus, which corrected the error immediately months ago. Equifax refuses to correct my report.
Complaint sub-issue: Information belongs to someone else

cra violation of my consumer protection act po report sent to XXXX XXXX XXXX inaccurate information must be removed
Complaint sub-issue: Old information reappears or never goes away

This account is fraud. The account was deleted in XX/XX/XXXX. The account was reposted on my credit report back in XX/XX/XXXX. This account is not mines.

OTHER LOANS 1. XXXX XXXX XXXX   {$4100.00} These inquiries were deleted once and were reposted almost a two years later.

Inquiry details XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Bank Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies
Complaint sub-issue: Account information incorrect

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Complaint sub-issue: Account status incorrect

I became aware of a collection issue on my eqaufax and XXXX   account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX..i have never had a account with XXXX XXXX, never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. XXXX and eqaufax simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .Eqaufax and XXXX violate the FCRA without any evidence of a debt.
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX forXX/XX/XXXX XX/XX/XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX had a breach and my information/SSN was a part of that breach.
Complaint sub-issue: Called before 8am or after 9pm

creditor called me as a md resident on a sunday regarding a past due payment
Complaint sub-issue: Information belongs to someone else

I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Equifax a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.
Complaint sub-issue: Debt was paid

This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015.
Complaint sub-issue: Their investigation did not fix an error on your report

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ;
Complaint sub-issue: Reporting company used your report improperly

My information seems to have been potentialy impacted by the recent equifax data breach. I heard of the breach, entered my information, and recived a message saying as much. My spouse was the same. In finding this out, i was required to literally fill out more paperwork on a mobile phone, in order to enroll in a service that by enrolling in it prevents me from seeking legal action from any harm that may or may not happen. If it does, my finances are down the drain. It feels like we are being bent over a barrel for something that is NOT OUR FAULT!!!! I will not be extortioned by a company that has our information, AND CLEARLY HAS NOT HAD ENOUGH SECURITY IN THEIR SYSTEMS!!!!
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account information incorrect

XX/XX/2021 Equifax dropped 3 more points. It should be exactly the same as XXXX at XXXX. XXXX XXXX should not have dropped 2 points. The problem is in your killer algorithmns designed to hurt the consumer by showing high balances with out waiting for the billing cycle to play out. All new balances are always XXXX  out on my accounts. 
He seems like intentional misbehavior here.
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize
Complaint sub-issue: Information belongs to someone else

Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
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. I demand the following accounts be verified or removed immediately.