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

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$120.00} Account No. XXXX Amount {$0.00} Account No. XXXX XXXX {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00} Account No. XXXX Amount {$0.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In reference to previous complaint # XXXX submitted on XX/XX/2019. Currently showing no response. They were allowed 15 days. This is an ongoing issue with Equifax and there lack of promptness and the habitual willfulness of negligence of the FCRA and noncompliance to investigations, method of verifications, and re-investigations. 

On XX/XX/2019, I Called Equifax again at XXXX and spoke with XXXX and I asked if I had any accounts in dispute. XXXX asked for my SS # and once I gave her my SS # she asked me what am I calling for, I stated that I wanted to know if my accounts are in dispute, she ask me why, I stated because I wanted to know. Then she put me on hold for 3 to 4 minutes. Once she returned to the phone she asked me for my personal information and verification questions. Once completed I asked the question again, do I have an active dispute open? Here is everything she verified and stated. A Dispute was opened XX/XX/2019 and it was completed XX/XX/2019 for Dept of Education for removing late payments, no changes were made. On XX/XX/2019 and on XX/XX/2019 the same day, it was completed for inquiries for XXXX it was verified. I stated that I received an email from autocap on XX/XX/2019 stating that XXXX XXXX XXXX has begun the process of having the inquiry deleted and theres no way they verified this inquiry. She stated that they can not delete inquiries and it will remain on my file for two years. On XX/XX/XXXX to XX/XX/XXXX confirmation # XXXX is not reporting on my report. XX/XX/2019 dispute completed the same day for address removal and name XXXX. On XX/XX/2019 letter received and completed on XX/XX/2019 XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX confirmation # XXXX it was submitted by certified mail on XX/XX/2019. However, the letter was not a dispute, it was a method of verification. On XX/XX/2019 a dispute was submitted for XXXX XXXX XXXX for late payment dispute still show on file, accounts were in deferment. On XX/XX/2019, but received on XX/XX/2019 no action was taken per XXXX ( consumer representative ) after receiving letter but they submitted a dispute without my request and XXXX agreed that I should have received a letter in 15 days and not a dispute per request as she read the letter provided to Equifax. She stated that she will note the file that I called in regards to the request for MOV and did not receive a response. XX/XX/2019 confirmation # XXXX and that was for collection XXXX and XXXX XXXX and completed on XX/XX/2019, XXXX XXXX was removed. XX/XX/2019 submitted a certified letter and XX/XX/2019 the certified letter was received by Equifax for dispute of XXXX XXXX, XXXX, and XXXX XXXX and received Driver License and SS # as well. XX/XX/2019 all accounts were consider verified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXXnquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}
Complaint sub-issue: Investigation took more than 30 days

Hello CFPB. I am writing in regards to follow up case # XXXX. I would like for Equifax to remove the {$230.00} collections from my credit file/report, as my original complaint requested because it does not belong to me. Also, It has been well over 40 days and Equifax still has not provided me with a status update of my complaint. I had reported that I had a fraud alert on my accountt due to identity theft and that the collections of {$230.00} is not mine ; and it's the only collections on my report. Also, CFPB reported to me, by email that Equifax could not verify the account because it is a third party ; which I had also stated in my original complaint and that I have never had any dealings or accounts with that third party. They should not have been able to collect my personal information on my credit file from Equifax because of a fraud alert that I have on my report and Equifax still allowed that third party to inquire my account. Therefore, in addition to the above statements, they also broke the guidelines of the fraud alert/security freeze. Again, I would like for Equifax to remove the collections of {$230.00} from my credit file/report.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I talked with XXXX XXXX about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a Discover Card opened in XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from XXXX XXXX dated XXXX XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that XXXX XXXX having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to Discover Card, I was only an AUTHORIZED USER and not responsible for this debt.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account 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 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.
Complaint sub-issue: Problem with fees

On XX/XX/2020, I was charged a {$25.00} late fee to my credit card issued by Citi. This was due to the fact that I had a balance of {$37.00} on my card at the time. Because of the global pandemic caused by COVID-19, I had to worry about the safety and health of my family first. This led to me forgetting to submit a payment to my Citi card. Prior to this, I have never missed a single payment with Citi. I have tried to speak with 4 different representatives at Citi - both through phone calls and online chat. All 4 representative denied my request to waive the {$25.00} late fee, even during a global pandemic. This reflects on the company as a whole and shows that Citi has such awful and disgusting morals. The fact that they refuse to waive a one-time {$25.00} late fee shows their horrible ethics. I have since already made the minimum balance payment so that my account is already current and up-to-date, yet I still have not received any assistance.
Complaint sub-issue: Frequent or repeated calls

I'm writing to submit a complaint about EOS-CCA. This company has been attempting to contact me repeatedly for quite some time. They engage in deceptive behavior in order to try to get me to answer their calls, calling from different phone numbers in many different area codes. My call records show more than 10 different phone numbers in just the last two weeks, I blocked each one, so they then call from a different number. They have at times called 3 times in a single day before I blocked the number. When I do answer,  they refuse to identify as a debt collector. The last time I answered the male caller would only say that they wanted to speak to me about a " personal matter ''. 

Refusing to identify immediately as a debt collector is a clear violation of the FDCPA, calling repeatedly is also. Using dozens of different phone numbers in various area codes is clearly deceptive and likely another violation of the FDCPA. The calls are coming in at various times, but the vast majority are between XXXX to XXXX local time for me, which is another violation ( I'm not in the 48 contiguous states these days, I'm not willing to tell them where I am, but It's somewhere between GMT +8 to +10. 
I want all communication from EOS-CCA stopped.
Complaint sub-issue: Information belongs to someone else

In XXXX XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XXXX  and were fraudulent. I initially contacted the creditors who were XXXX XXXX XXXX XXXX XXXX XXXX   and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my Equifax credit report. I sent multiple letters to Equifax to remove these as they were fraudulent and attached the police report. I then had to call Equifax and advise them to remove. They ended up finally removing on inquiry ( XXXX XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to Equifax and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the XXXX XXXX  inquiry. I have included a rough timeline of events below.

XXXXTwo fraudulent hard inquiries XX/XX/XXXXBoth creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XX/XX/XXXXPolice report filedXX/XX/-Called Equifax and they advised they would remove these XXXXMailed a complaint and police report to Equifax to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to Eqifax where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XX/XX/XXXX-Called Equifax to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my Equifax credit report.
Complaint sub-issue: Personal information incorrect

As of Late I seem to have a problem with all three Bureaus ( XXXX, Equifax, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on XXXX and is not on Equifax or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I, XXXX XXXX, the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.
Complaint sub-issue: Information is missing that should be on the report

Prior to filing XXXX XXXX bankruptcy in XXXX the mortage servicer ( US BANK ) reported accurate information to the credit bureaus. 
After XXXX XXXX bankruptcy was discharged successfully at the end of XXXX, the mortgage servicer does not report to any credit bureau. 
Contacted credit bureaus, advised to contact servicer. 
Contacted mortgage servicer, who claimed they won't report anything to credit bureaus ever.
Complaint sub-issue: Information belongs to someone else

i CONTACTED DISCOVER CREDIT SERVICES BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. 

I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. 

I WAS DIRECTED TO GET IN TOUCH WITH THE XXXX CREDIT REPORTING AGENCIES. 

AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED
Complaint sub-issue: Reporting company used your report improperly

XXXX  Equifax, and XXXX  violated my consumer rights. See attached letter
Complaint sub-issue: Information is not mine

I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.
Complaint sub-issue: Information is incorrect

I have insurance with XXXX XXXX XXXX. My daughter was in a rental while some mechanical issues were being repaired. While in this vehicle, a rock hit the windshield of the rental car while on the highway. I filed a claim with State farm and they advised that the claim was reported to Lexis Nexis as a " not at fault incident. '' However, I am seeking new insurance quotes and they are coming back in the thousands of dollars per month due to this reporting. I am being told that Lexis Nexis is reporting an incident with another vehicle and the claim was placed under liability instead of comprehensive, also I was told by a carrier that they are reporting a payment made over the threshold. There are no details listed stating this is a simple windshield claim that does not involve another vehicle. This negative/inaccurate reporting is causing me a financial burden. I am unable to receive reasonably priced car insurance. I am requesting that this be reported accurately and proof of the change.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.
Complaint sub-issue: Information belongs to someone else

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.
Complaint sub-issue: Don't agree with the fees charged

I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.
Complaint sub-issue: Contacted your employer

XX/XX/2020 I received a email from my employer that this unlicensed company is trying to do wage garnishment they are not even a licensed company and they went behind my back to do this
Complaint sub-issue: Investigation took more than 30 days

Equifax has failed to respond to my numerous disputes in the time the FCRA requires, I demand these accounts be removed immediately as this is a violation of my consumer rights. I am attaching the previous letters sent to this company.
Complaint sub-issue: Debt is not yours

I was a former customer of XXXX XXXX XXXX XXXX formerly XXXX  XXXX  for 17 consecutive years. I used their services at my various homes over the years without incident until I moved to XXXX, Fl. I followed the routine process to return equipment and tally up my account before transitioning to my new home. When I moved to XXXX, FL from XXXX XXXX, FL I decided to change providers and not continue with the XXXX  service. My new XXXX XXXX XXXX  ( XXXX  ) - XXXX XXXX XXXX began service on the date I terminated my contract with XXXX. There was no additional month or additional fees or equipment missing when I transitioned these services. I am XXXX years old and have owned and lived around the country ; obviously a mundane change in accounts is routine. 

However, XXXX billed me for {$230.00} claiming I owed this debt. I disputed this debt through numerous phone calls and correspondence explaining this debt is not legitimate ; and was assured each time ( by XXXX  initially ) it would be resolved. Instead, I was sent to collections and have been harassed by various collection agencies requesting written notice in 30 days to dispute the claim ( standard language used ) and have disputed each claim for these past 4 years. I have evidence of these communications, where the incidents are temporarily resolved to my satisfaction after tremendous effort and oversight on my part only to begin again when the debt is sold. 

This tactic of changing collection agencies and resuscitating attempts to collect on a fraudulent debt is harassment ; there is no other explanation after trying to resolve this issue in a reasonable manner. I am requesting your assistance as I have exercised my due diligence in resolving this concern since 2017 ; and I am going into my fourth year experiencing this harassment. I will not pay fraudulent expenses attributed to me that are not legitimate. I have an outstanding credit history and have always paid my debts on time. XX/XX/XXXXhas not exercised good faith and has certainly lost my good will for the barrage of incessant harassment towards me, a long-standing customer that responsibly paid each and every bill over numerous years and attempted to resolve this concern. I thank you for working with me and look forward to hearing from you. Regards.