Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

Equifax has continued to verify information on my credit file without validation, On several occasions by cerified mail i have disputed unauthorized credit inquires by companies i did not ask to pull my credit. There are several accounts on my file that are reporting in accurately. 
XXXX XXXX account that I do not owe these accounts and a tax lien or judgment that they are telling is verified by county court clerk who do not evensend information to the credit bureaus as this info in reporting incorrectly as well as another account for XXXX which i nver had an account with XXXX and asked for proof of my signature verifying this is my account
Complaint sub-issue: Reporting company used your report improperly

Equifax, a financial data collection service, whom I never gave permission to collect my data, failed to keep that data safe, and has compromised 150 million people 's personal information, including my own. Furthermore, the FREE protection that they have provided in the aftermath of this nightmare, does not go far enough to protect those affected, forcing us to pay for a more secure protection service. How can these people be allowed to collect our data without our permission and then not have enough security in place to protect us. This is unacceptable!!
Complaint sub-issue: Problem with direct deposit

Hello, I am having issues with my EIP prepaid debit card issued by XXXX XXXX/Money Network for my COVID stimulus payment. I am attempting to transfer my money from the card to my checking account. I started a transfer ( {$1000.00} ) using the My MN app on XX/XX/20. All information that I can find through XXXX XXXXMoney Network says that transfers should be complete in 2-3 business days. My transfer has yet to show up in my checking account, even as a pending transaction ( as of XX/XX/20 ). I have attempted to contact XXXX XXXXMoney Network to check the status of my transfer and to see if their were any issues that I needed to correct on my end through their customer service line ( XXXX ). This line is the only means of contacting XXXX XXXX/Money Network that is available on their website and the EIP card website. Even though I have called the customer service line several times, I have yet to talk to an actual customer representative and have found XXXX XXXXMoney Network 's customer service system to be completely automated. I have not found a way to address my issue through their automated system.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) Account # 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 a account without my written instructions.
Complaint sub-issue: Other problem getting your report or credit score

In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from Equifax until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that XXXX  offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called XXXX  during business hours at XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.
Complaint sub-issue: Account status incorrect

Conns XXXX XXXX reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.
Complaint sub-issue: Received bad information about your loan

In XXXX I applied for incarceration deferments for both my Fedloan Servicing and XXXX student loans. I sent the documents out along with a prison caseworker on the same day. A few weeks later I received confirmation for deferments on both accounts. The next year I was released in XXXX. I was sent to a halfway-house 5 hours away from home. I was only allowed to use the internet once a week at the start of my stay. My first time checking my personal email showed an email from Fedloan saying I was in danger of default. I called the following Monday after seeing this email ( around XX/XX/XXXX ) give or take a week. I spoke to an account rep who told me I would be defaulting that Friday if I did not take care of my late payments. I asked why the account was not in deferment and he told me there was no record of applying for a deferment, but he did say there was a record of my Mother calling to request the paperwork be sent to me in the prison. Which did happen, but I also filled it out, sent it in ( in the presence of a federal employee ), and got a return letter of confirmation. My XXXX loan had no problem with the deferment paperwork through my local college. I said fine, I will call back Wednesday when I could go get a bank card from the halfway house and pay what I need. I got the debit card from a bank just down the street and called Fedloan back. When I spoke to the next rep they told me that the loan had defaulted the day after I called, Tuesday. I told the rep that the previous one had told me I had until Friday and his response was, '' well I dont know why he would lie to you. '' And they defaulted my loan and went about their day. I have tried contacting my State DA 's office, the CFPB, countless lawyers, anything resource I can find, The fees keep racking up and I get no answers and no help for going on 4 years now ... They take my taxes and rack up the fees. Fedloan employees committed fraud and no one will listen. I told myself I am going to give this one last shot and found this site. Please help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i reached out to XXXX XXXX and and XXXX XXXX XXXX to see how these unauthorized inquires were added to my credit report and I became aware someone got access to my credit report. I made a police report regarding this issue.
Complaint sub-issue: Company closed your account

In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.
Complaint sub-issue: Debt is not yours

See letter attached. I am also unable to forward this response per USPS postal agent yesterday. po box and zip code FL XXXX combination is incorrect. The postal agent refused processing.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX : XXXX I Do not now nor have I ever had an account with this business,, this debt was previously listed under XXXX XXXX XXXX, it was removed and then placed back under a new name within just a few days, i believe these two companies are working together and placing items on credit files
Complaint sub-issue: Investigation took more than 30 days

I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.
Complaint sub-issue: Information belongs to someone else

review the accounts that appear on my credit report, without any authorization, they are harming me. 

Identity Theft XXXX  XXXX / XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of Equifax breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I had a previous complaint open and wisely stated they didnt receive my signed declaration of fraud but I am attaching the email I sent to them on XX/XX/13 with the signed statement attached. This is not and should not be a reason to delay returning all funds to me that I didnt authorize. They absolutely received my statement and it was emailed to the email that the form said to use!
Complaint sub-issue: Information belongs to someone else

I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.
Complaint sub-issue: Account status incorrect

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. Loancare, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services LLC ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of Equifax who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and inquires would be removed, however the fraudulent accounts would not be removed until an investigation was completed. I also received a letter in the mail from Equifax ( EXHIBIT A attached below ) stating they could not find my credit file in their system with the information I provided- which is contrary to what I was told by their representative over the phone. In the same envelope was another letter ( EXHIBIT B attached below ) from them stating they will not be blocking any information in my credit file, although the previous letter stated they could not identify my credit file. Equifax has violated my rights and federal law with their unscrupulous business practices.
Complaint sub-issue: Information belongs to someone else

Account not mines. Submitted FTC report. 

1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Today ( XX/XX/20 ) I called equifax to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that equifax doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to equifax and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.
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 Bum. 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 XXXXThis 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: Information is missing that should be on the report

Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.
Complaint sub-issue: Information belongs to someone else

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Complaint sub-issue: Trouble with how payments are being handled

I initially submitted this complaint on XX/XX/2021, case # XXXX. The response from Discover was inadequate and did not address any of my concerns so I am resubmitting it. 

I signed up for automatic payments with my private loan servicer, Discover. During this process, I was able to make an " extra '' payment and was given the option of applying any extra payments to either the " principal balance '' or to the next month 's payment. I chose to apply extra payments to the principal, and have been making an extra {$50.00} each month for at least the last year. When I reviewed my statements for the past 4-5 months I noticed that all of my additional payments are being applied to " interest '' and not the principle balance as I request. 

Discover stated that " This payment and subsequent automatic payments, including any additional payments, have been applied to the principal and interest owing on your loan, in accordance with the payment hierarchy provided when you enrolled in automatic payments for the Minimum Payment Due plus the additional amount. You were informed that payments would be applied first to late fees ( if applicable ), then to the Minimum Payment Due amount and that the additional amount you designated would be applied to your highest interest rate loan in repayment ( or to the higher balance for loans with the same rate ). The additional {$50.00} monthly payment is being applied to your loan ending in 20 as this is the loan with the highest interest rate. '' Their own response does not make sense and they do not provide any evidence or support for their assertions. For example, it says that extra payments will first be applied to the Minimum Amount Due. However, this is a payment that is, in addition to, the Minimum Amount Due. So by their own description, the full {$50.00} extra payment should be being applied to the principal balance of the loan with the highest interest rate. Second, Discover 's response does not contain any evidence of how the extra payment was applied to " principal and interest ''. They say it went to both, but in fact, they are just applying the extra payment to the interest. This is not only counter to my clear instructions but also has the effect of extending the length of the loan period and unjustly enriching Discover.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This credit card company does not know how to protect its consumers. During follow up calls they said the fact that we still have the card makes us liable for the disputed charges. Neither me or ANY of my family members have gone to 2 of those places in NJ where the transactions took place. If there will be a PROPER investigation we are confident that it can be proved we were never on those places at all. The credit card co does not give us any other information whats their evidence why we are responsible. We dont even know if these purchases were done online or in-person. This has been reported to the XXXX police.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Went to a dealership to apply for car I asked them but to run my credit through all the banks and they did And I applied for a credit card and wasnt approved
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a letter to the XXXX court asking do they report information to credit reporting agencies. I just got a letter back from them stating they don't, so if that is the case how did they get the info to report? They never did!!! Pursuant to 15 USC 1681 Sec 603 3 ( e ) the term investigative consumer report means a consumer report or portion thereof in which info on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have such knowledge concerning any such items of information. However, such information shall not include specific factual info on a consumers credit record obtained directly from a creditor of the consumer or from which a CRA when such info was obtained directly from a creditor of the consumer or from the consumer. 
How was a proper investigation done? 
This is how they violated me : given rights 15 USC 1681 sec 602 states that I have rights to privacy. According to 15 USC 1681 sec 604 ( A ) sec 2 it states CRA can not furnish anything without my consent. 15 USC 1681 ( a ) ( 1 ) you shall NOT furnish anything inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting incorrectly to Equifax ; XXXX   and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.