Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 XXXXXXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

there are unauthorized inquiries late payments and account that don't belong to me that need to be investigated see XXXX  XX/XX/XXXX for complete letter to credit bureaus
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 USC 1681. 
XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

There's an account on my credit report that I've had enough of trying to dispute on my own with no results. Apparently there's a collection agency Vaunce and Huffman LLC, that is reporting on my credit report but has never sent me a single document to notify me of the debt or to respond back to me when I tried to reach out to them myself. I sent them various letters of the past few months which I will include as proof. I was nothing short of nice, respectful and well within my rights to request that they prove to me that they own the debt that are reporting to the credit bureaus and in return, ruining my credit score. I reached out to them on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Information is missing that should be on the report

This company is removing a XXXXXXXX  XXXX account off my report that was never disputed they also removed a self lender account of my report that was never disputed they keep fraudulently disputing things that I never disputed with them.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX XXXX IS SELLING MY STUDENT LOANS TO XXXX. XXXX is known for their snake like tactics and poor service to consumers. They are being sued. I also do not believe AES has the appropriate data to prove they are he owners of the loans as they refuse to provide the agreed terms on my loans when asked.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS PULLING THE SOCIAL SECURITY & NAME OF MY SISTER INSTEAD OF ME. ALL OF THE TRADELINES PULLED BY EQUIFAX IS FOR MY SISTER. 

1 ) OUR NAMES ARE VERY SIMILAR INCLUDING THE MIDDLE INITIAL 2 ) OUT SOCIAL SECURITY NUMBER IS DIFFERENT BY THE LAST 2 DIGITS. 

3 ) FOR SOME REASON EQUIFAX HAS BLENDED OUR CREDIT REPORT AND SO ALL OF HER INFORMATION IS PULLING AS MINE. I HAVE TRIED TO CONTACT EQUIFAX SEVERAL TIMES VIA WRITING AND PHONE CALLS WITH THEM NOT FIXING THE ISSUE ON THEIR END 4 ) XXXX AND XXXX SHOW CORRECT INFORMATION
Complaint sub-issue: Reporting company used your report improperly

Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) as any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card that I used to originate every consumer transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) ( d ). I am demanding that they remove all of the transactions from XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Upgrade from my report immediately. Equifax is violating my rights as a federally protected consumer under title 15 chapter 41. I have also sent a letter to Equifax demanding that these transactions are removed from my consumer report but they have failed to do so.
Complaint sub-issue: Attempted to collect wrong amount

I'm reaching out because I've requested the law firm to post my payment for last month that they cashed and posted it to someone else account they still trying to collect XXXX when it's XXXX or less because looking back I've made payments and who is to say they have applied correctly my account is XXXX XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WI XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, I applied for a personal loan from Discover. I spoke to XXXX, she offered 4.99 % interest rate. I am attaching the picture of the flyer they sent me where I wrote down name of agent, date, amount, & interest rate. I called today for the XXXX time to get a solution to this problem to no avail. My account is : XXXX Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XXXX XXXX : XXXX Discover 's tel. # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed 3 charges made by a scam company who never rendered the services paid for. The credit card issuer issuer is CitiBank. On XX/XX/2018 I disputed the 3 charges ( all made on the same day by the same company. I still do not know why they insisted on breaking it into 3 charges instead of one, because the payment was for one contract for services. ). The disputes were acknowledged by Citi and given 3 different dispute numbers by them. They issued conditional credits. The basis of my dispute is that the services paid for were not received in whole or in part On XX/XX/XXXX they sent 3 letters through their system ( which they can send correspondence through, but I cant reply through ), and oddly all 3 letters were different, but basically saying the investigation was closed and credit reversed and advising I could submit further information by XX/XX/2018. I'll try to attach copies of these letters. No merchant provided documents or information was provided to me at any time. 

I did submit more information by XX/XX/XXXX ; a letter dated XX/XX/XXXX and attachments of dispute letters, merchant contract, written communications with merchant by me, copy of cash payments, copy of unidentified trucks, copy of unidentified driver picture. I'll also try to attach a copy of this. 

XX/XX/XXXX and XX/XX/XXXX I then received surprising letters from Citi saying basically the merchant didnt agree to a credit, therefore the investigation was again closed. However, I also noticed 2 of the 3 charges were again credited to my account, so I thought maybe this was in response to my letter of XX/XX/XXXX. However, I again received last week, an email from Citi saying there was a message in their system. This message said again that the matter was resolved because the merchant refused to give a credit, therefore my remedies would have to be pursued against the merchant separately. 

I am certain the merchant can not prove they rendered the services because they ceased to exist during the time period they could have done so, because their principals were indicted by the XX/XX/XXXX for their scam practices at that same time, because in fact they did not render the services and because we paid thousands of dollars in cash to others, not affiliated with XXXX XXXX XXXX, to eventually ransom our things out of the hands of strangers. 

To see if I missed anything, and because this process has been so mystifying, I live-chatted with Citi today before filing. They again reiterated that they consider their function to be simply to contact the merchant and get a response, " not just give a credit. '' They have never provided documents provided by the merchant nor said anything contended by the merchant other than they refuse to give a credit. The burden of proof has oddly been on me the whole time, and they never said I did not prove my dispute, just that the merchant refused to give a credit. I am completely confused by this process ; how disputing a credit card charge became just the card issuer asking the merchant if they want to give a credit or not?!
Complaint sub-issue: Account information incorrect

Home Depot credit card/CITIBANK They reported me late on my credit report ( all three ) XX/XX/XXXX I called them and disputed it and with the bureaus. I have spoke with several different agents at Citibank since XX/XX/XXXX.I always get different stories. one person said I was late 9 days, another said I was late XX/XX/XXXX days, and they said XX/XX/XXXX. It was reporting XX/XX/XXXX on all three bureaus until recently. Now all the sudden they removed XX/XX/XXXX on the XXXX  report and put XX/XX/XXXX! I talked to another lady forgot name I can look for it said she would do a nine day investigation and I had to call her back as she did not return the call to me with info by the date she stated. Furthermore here is the truth 1 ) I was moving and lost My monthly statement. I called in and got a offshore agent .I took my time as there is a language barrier and said what is my payment lost statement. She gave me my amount I paid it and went on with my day. I filled out an application for a rental as I sold my house and needed to rent. the fico score was low. S o I checked the report and saw Citibank reported me 30 days late. I then started my dispute. I paid what I was asked. They are always changing their story. Please investigate they are putting false info on my report and now changing the months .I almost feel like they are harassing me or some sort of retaliation. 
They have cost me money as I had to pay hefty deposit to get in the rental because of there inaccuracy.
Complaint sub-issue: Account status incorrect

Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.
Complaint sub-issue: Information belongs to someone else

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Equifax is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.
Complaint sub-issue: Other problem getting your report or credit score

I keep trying to login to my Equifax account but recently had to reset all my passwords, so I need help getting into my account. I keep getting an error page that states " We are temporarily unable to complete this request. 
Please try again later. '' I've cleared my cache/cookies/etc. I've searched online for solutions and found out that filing a complaint with this agency is the only thing that has worked for several other people.
Complaint sub-issue: Debt is not mine

Caller asked for a person who has NEVER LIVED at this address and NEVER HAD this phone number. They are fishing for this person by last name connections!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following XXXX accounts 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 an account without my written instructions. 

XXXX XXXXXXXX XXXX Opened XXXX {$56.00} XXXX XXXX XXXX XXXX Opened XXXX {$100.00} SPECIALIZED XXXX Opened XXXX {$110.00} XXXX XXXX XXXX  Opened XXXX {$180.00} XXXX XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX  Opened XXXX  {$290.00} XXXX XXXX XXXX Opened XXXX {$720.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$1100.00} XXXXXXXX XXXXXXXX XXXXXXXX Opened XXXX {$1100.00} XXXXXXXX XXXX XXXX  Opened XXXX {$1800.00} XXXX XXXX Opened XXXX  {$2000.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX has damaged my credit and I know no knowledge of this debt. They have not provided any documentation proving I owe this debt. 

I will need dates, my actual name, and signature authorization to this amount of debt owed. 

If not I ask they please cease all actions to destroy my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

Equifax SEE ATTACHED XX/XX/2022 and on going dispute XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Public Record ) Again registered letter over 30 days ago submitted legal documentation PROVING responses/verified a lye of error requesting immediate removal damages have been done to higher court these in question do not meet the reporting act
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have Called Equifax four times in the last 2 mths and Spoke with Reps, Concerning about 17 inquiries that I have no knowledge of nor have given anyone permission to run my credit. I have called and called and nothing happened.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I completed my required annual income certification for the income based repayment plan. I received confirmation of approved on XX/XX/XXXX. I also applied for PSLF and my loans were transferred from XXXX to XXXX XXXX on XX/XX/XXXX, I recieved the official letter of transfer. The new loan servicer ( XXXX XXXX   ) states that I NEVER completed my annual income certification and that my new payment amount is almost way more than I was approved for. I was forced to request a forbearance which could impact my consecutive payments under an IBR for PSLF. They say that I have no choice but to go to XXXX and request a new Income based repayment plan all over again because the " information didn't transfer over ''. I did everything I was supposed to do and the servicers are the ones that messed up, not me.
Complaint sub-issue: Information belongs to someone else

I check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.
Complaint sub-issue: Account status

I have closed accounts still on my report. I have hard inquiries on my report that I did not approve of
Complaint sub-issue: Information belongs to someone else

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone stole my identity a long time ago opened a few accounts which went to collections. The account XXXX XXXX XXXX isnt mine nor do I know who it is. 

The last four of my SSN is XXXX.
Complaint sub-issue: Debt is not yours

On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.
Complaint sub-issue: Investigation took more than 30 days

I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that and my rights have been violated. The laws also state there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods use to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to access my credit report or credit dispute results through Equifax 's webpage. Every time I try, I get a number to call instead. 

When I call their number, they tell me I must do everything over the phone or via mail. When I ask to speak with someone who can help me with my online access problem, I'm told no one in their company can help me. I just have to use the phone. This is completely unacceptable to me, as using the phone requires about 30 minutes of identity verification and requires me to buy another credit report so I can answer security questions. 

They company should be able to explain why I can't access my account online and provide a remedy. They tell me no remedy is possible, which is complete nonsense.
Complaint sub-issue: Public record information inaccurate

Equifax used my information incorrectly due to a breach so I now have discrepancies on my credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, and XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding an inaccurate account on my credit reports from Department Stores National Bank/Macy 's, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files immediately.
Complaint sub-issue: Trouble with how payments are handled

FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.
Complaint sub-issue: No notice of investigation status/result

I filling a complaint because Equifax has ignored my request to provide me with the documntation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not 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. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all unauthorized information listed on my credit report with Equifax.
Complaint sub-issue: Account status incorrect

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, XXXX and Equifax. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
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 Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a collections account from XXXX Accounts ( XXXX ) as being unverified and inaccurate with Equifax XXXX and they came back to me and stated they were able to verify this debt. How is this possible? After the breach at their company youd they would value reporting accurate information. 

Under the laws of the FDCPA, I am entitled to see the source of the information from the results of their investigation, which is the original contract that contains my signature but Equifax has not provided this information. 

Regarding the type of verification required by Section 809 ( b ) of the Fair Debt Collection Practices Act, Equifax is required by law to determine whether a collection agency for a medical provider fulfilled the requirements of that section if it produces an itemized statement of services rendered to a patient on its own computer from information provided by the medical institution... in response to a request for verification of the debt. How was this verified in their investigation? 

The statute also requires that the debt collector obtain verification of the debt and mail it to the consumer. A simple itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statute requires the debt collector, not the creditor, to mail the verification to the consumer. 

After careful research, I have determined that this is not mine, and I have not been given any evidence of my obligation to pay this debt to this collection agency.