Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I contacted a debt collector because a debt from a hospital I visited in XXXX is on my credit report and my state insurance should have paid it. They refuse to contact the XXXX XXXX  Oregon XXXX XXXX and get payment from them. This is not my fault. I gave the hospital my insurance info and I have the debt collector my insurance info. I want this collections of my report if possible?
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX  credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!
Complaint sub-issue: Card was charged for something you did not purchase with the card

My identity was stolen by my adopted son and he used one of my credit cards to obtain over XXXX in cash through a XXXX XXXX. XXXX XXXX has determined I owe the money even though I have filed a report with the Federal Trade Commission and have filed a report with my local Sheriffs department who have launched a criminal investigation.
Complaint sub-issue: Problem with product or service terms changing

Ever Since I paid off my personal loan, there seem to be like an unauthorized personal load after,, why would i want to open up another loan when i just paid it off. Once this loan has been open up again there seems to be so many issues, you guys are constantly billing me to pay it off this loan that wasn't made by me and also there numerous of unauthorized withdraw transaction and now my account is blocked and on hold and i can't even close it down. I want to close this account and take my money to go to a different bank because all you guys want me to do is to go broke. every pay check i get it go straight to you guys and i feel like you guys just want to take my money. I'm tired of this situation and i want my life back!!
Complaint sub-issue: Public record information inaccurate

I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Debt is not yours

The following account is not mine SALLIE MAE Account Number : XXXX**** Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS  # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} EQUIFAX : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX  XXXX  # XXXX {$8800.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive been recieving all these inquiries and didnt know what they were until i did my research
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been dealing with an issue involving Equifax and XXXX XXXXXXXX XXXX for a few months now. It was said that I was late several times so I disputed this as it was wrong. Then the matter was rectified and the account was updated to never late. A few days after that a late payment was added to my credit report. I really need this issue to be fixed and to report as on time, never late. This one issue is very painful and holding me back in life. I keep hearing different explanations for why this is allowed to go on but enough is enough. I also have not been able to login XXXX for a while now in order to submit proof that this issue has been fixed before already.
Complaint sub-issue: No notice of investigation status/result

On XXXX XXXX, XXXX I mailed an unauthorized inquiry letter certified to this Credit Bureau upon checking the letter was delivered XXXX XXXX, XXXX here it is today XXXX XXXX well over 30 days. I have contacted Equifax in regards to this dispute because I have not received any documentation in reference to this dispute. And I know my rights as a consumer when it comes to the Bureaus not responding within 30 days. Upon talking to a Representative she was able to tell me that they had received the letter that was mailed out XXXX XXXX, XXXX and received by them XXXX XXXX, XXXX but was unable to tell me why I never received anything in regards to the dispute. And then proceeded to tell me she can mail me out a letter stating how to have these unauthorized inquiries removed well after the 30 days from when the Bureau received my letter, also proceeded to tell me I have to contact the companies when I have contacted them on numerous occasions and was told I have to dispute them thru the Credit Bureau and that was my purpose for sending off the dispute letter that was never taken into consideration by Equifax. I know my rights as a consumer and know that inquiries are only allowed to be placed on your report for 1. Firm offer of credit 2. Insurance 3. Employment and 4. Court order. The following inquiries listed on my report are related to none of the aforementioned permissible and would like them removed from my report. As follows 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

I am still in the process of getting this inaccurate data removed m=from my profile. XXXX Eqifax and XXXX  has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX has been acquiring synthetic identitys for years using various addresses, defrauding several banks and credit card companies. Her real address is XXXX XXXX XXXX XXXX XXXX Il XXXX her real social is XXXX. Here are a few of the addresss shes used to get her cpns XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. I will attach emails between her and the lady who created the synthetic identitys for her as well as a copy of her fake social security card.
Complaint sub-issue: Account information incorrect

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

XX/XX/XXXX I looked online and found that I was charged XXXX for my checking account being short {$3.00}. I had a {$100.00} transaction for XXXX that came out of my account and I only had {$96.00} in my account. 

XX/XX/XXXX I again looked in my account online and I was charged {$11.00} for checks I did not order. I called PNC @ XXXX and I was told I had to bring the checks in to have refunded. 

This bank not only guts it customers for money they do not have but they never addressed anything I requested. 

My account # is XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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: Reporting company used your report improperly

In accordance with the Fair Credit reporting act convergent account # XXXX or account name XXXX XXXX Bank, 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 report agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I have made 3 attempts with XXXX XXXX XXXX XXXX by certified mail concerning their account number # XXXX for a debt in the amount of {$200.00}. I have notified them this is not my debt and asked how they are verifying this debt. I requested something with my signature instead they sent me an itemized bill. I have requested 3 times something how they are verifying this and something with my signature. They have yet to comply. I have requested the 3 credit bureaus to remove this from my credit file due to XXXX XXXX not providing me with undisputable proof. XXXX and XXXX  have removed it from my credit file. Equifax has responded with XXXX XXXX have verified it with them, but to this date Equifax has not has not or will not provide those facts with me. I want this removed from my credit file.
Complaint sub-issue: Was not notified of investigation status or results

This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the Equifax data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Complaint sub-issue: Was not notified of investigation status or results

I've disputed this Discover account several times. This account was not investigated by XXXX, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This Discover account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from Discover. I never received any proof and information that was requested that it was in fact ever investigated.
Complaint sub-issue: Information belongs to someone else

I have a very terrible situation in my life. First time I have unknown inquiries in my credit report and I do not know what to do. My friend suggested me to write to you and ask for investigation. However he told me that it takes long time, but anyway I ask you to find out what happened exactly and how I become a victim of Identity theft. I do not know these inquiries and please if you can delete them because its XXXX to have something in your credit report that is not yours u know.
Complaint sub-issue: Debt is not mine

A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca
Complaint sub-issue: Their investigation did not fix an error on your report

Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in XXXX, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!
Complaint sub-issue: Personal information incorrect

Equifax Confirmation # XXXX XX/XX/2018 Personal Identification Information : has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is no such address. Equifax keeps putting address on my credit file that is not correct now this address just pop ups.

Equifax does nothing but create address for money so they can sell information.
Complaint sub-issue: Personal information incorrect

On the collection on XXXX XXXX.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect
Complaint sub-issue: Account information incorrect

I have 2 XXXX XXXX XXXX  accounts listed on my Equifax credit report. Thats inaccurate information listed on my credit report. I only have 1 account with XXXX XXXX XXXX, not 2 accounts, and I have a {$0.00} balance. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX, XX/XX/2020, I have never had a missed payment with XXXX XXXX XXXX. All of my payments has been on time with XXXX XXXX XXXX.
Complaint sub-issue: Debt is not yours

I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on XXXX XXXX. XXXX XXXX claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.
Complaint sub-issue: Talked to a third party about my debt

Every call with the collector has been rude and abrupt. I have made an attempt to make a partial payment online which I was later told would not go through. i was told that I could not qualify for settlement because the balance was less than {$500.00}. I was told I could make payment in full for deletion because I was calling a day later than when the deletion was offered. I was also told the only payment that could be taken today was for the full amount not for the partial amount. I am certain there are XXXX complaints about this same agency. They make no effort to communicate appropriately or to actually get the debt paid. I would think that paying something is better than not being allowed to pay anything.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In XXXX I schedule to Take a cruise in XX/XX/XXXX XXXX- XX/XX/2020. The cruise line I choose was XXXX  the amount for the cruise was XXXX I paid an deposit of {$100.00} XX/XX/XXXX. XX/XX/XXXX I paid {$35.00} & XX/XX/XXXX I paid {$100.00}. At the time the COVID-19 was not a major issue and XXXX  XXXX  XXXX   did not issue a statement regarding the situation to cruisers! Fast forward weeks go by and XX/XX/XXXX another payment of {$74.00} and final XX/XX/XXXX another payment of {$420.00}. Not once did XXXX address the Covid-19 until the beginning XXXX when they got exposed for allow XXXX ships to departure with XXXX cruisers on board. Nearly a month later they started giving out options to cancel with option receiving a cruise credit or refund! No one can gain access to the customer service line due to the overflow of calls! People have requested refunds back in XXXX such as myself still havent gotten a refund but yet people who requested refund in XXXX are receiving their refunds! Thats makes absolutely no sense Ive waiting well over 60 days and should be compensated immediately! When you try to reach out to see the ETA of your refund they can not provide answer. Unfortunately for me I didnt use a major credit company for payments! I used cash app card, Ive reached out to cash app & cash did nothing to assist me! They couldnt even reach out to XXXX so that they can release the funds! This very frustrating had I used XXXX XXXX I wouldve received 100 % good customer and money back in no time ... Ive attempted to reach out to cash app again however they are requesting proof from XXXX that I am receiving a refund! After telling them XXXX  has not been willingly to help they still do not seem to care! This horrible Im starting to think I will never get my {$700.00} back for a cruise I never even went on! I cant get proof from XXXX  and I cant get help from cash app! I am in desperate need of this money I have been out work for nearly 3 months! I have over due bills and mouths to feed. I need my full refund.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon review of my credit file with Equifax, I noticed that there were several inaccurate accounts and inquiries being reported. 

Several months ago, I mailed the attached affidavit to Equifax stating it's poor business practices, pursuant to 15 USC 1681. 

Since then, many of the inaccurate accounts and inquires remain on my credit report.
Complaint sub-issue: Debt is not yours

This company was on my XXXX  and XXXX report. I sent a letter requesting debt validation in XX/XX/2022 and did not receive validation. This company deleted the debt from those credit reports. Now I see that they are reporting on my XXXX report and still have not sent any validation that the debt is mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Debt is not yours

I received a letter from Hunter Warfield Collection Agency stating that I owe a debt that I do not owe. I sent them a letter in XXXX requesting verification. So far I did not receive a response.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX the same time that I found out that XXXX XXXX had reported my account to Equifax before my billing cycle on a pending transaction and reducing my FICO score about 35 points. Equifax also updated my credit report, reducing my FICO score by 105 points with inacurate information about a US Dept. Of Ed, loan that has been reported on my credit report since XXXX. Equifax added that this account was 120 days past due as of XXXX XXXX this account was in fact not past due, had not been flagged in XXXX or any other month in XXXX in fact, due to the pandemic all payments have been suspended since XX/XX/XXXX due to the Pandemic as part of the Cares Act. In addition all interest rates are 0 %. I was refunded back in XXXX or XXXX any monies that were taken in XXXX/XXXX or XXXX. why was this account updated 6 months after the alleged 120 day late payment. In addition US Dept., of Ed, also sent me an email stating this information, it is also on their greeting and prompt when you call and I called them as well and of course they denied updating this particular account with Equifax. 

I also called and spoke to a supervisor in great length, disputed the charges, and instead they reduced my FICO score again on XX/XX/XXXX another 30 points and i have no idea what the reduction was for nor is it explained on their website, other than it being retaliation. Also, by changing the date on recent inaccurate activity, it keeps this account being negatively reported longer than 7 years. 

WHY is Equifax allowed to act rogue, harass, stalk and retaliate and do as they please, with no repercussions or consequences, for their unprofessional, dismissive and illegal practices? 


I have been trying to repair my credit and reported Equifax to CFPB, Equifax have since taken retaliatory actions, have since reduced my FICO score by almost 140 points in a 2 weeks with inaccurate information.