Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

My ex-wife is dead. The child support has been paid in full for years. The NY State support enforcement agency concurs. Equifax reports a XXXX balance in the account, but yesterday they changed my report to reflect a missed payment. This is not true, & last year they were forwarded the information needed to show the account as closed. They will not discuss it with me over the phone, and the website will not allow me to file a dispute because they say I am providing incorrect information verifying who I am. This should be dropped off my report by now. At the very least, I should not be showing a missed payment all of a sudden. My daughter is a grown woman, & her Mother is dead. How long do we have to live with this problem. Someone please help us.
Complaint sub-issue: Received bad information about my loan

I have been trying for about 6 months now to enroll my student loans in the public service forgiveness payment. Every time I call, I get incorrect information from call center reps and/or they lose portions of my application. The last straw came today when I was trying to re-apply for the income driven payment plan for the third time after receiving inaccurate information about my monthly payments. When asked how many people are in my household, I answered one. The rep asked if I had roommates. I told her I did, and she said she would list them on my application in order to reduce my monthly payment. I told her that I was very uncomfortable with this arrangement, and that I would not be claiming my roommates as members of my household since I in no way pay for any of their expenses. In addition to the saga of trying to get into the public service forgiveness program, this arrangement borders on fraud.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I reached out to Equifax to dispute inaccurate information on my credit report. They claimed to open an investigation and found the information was correct. I asked the, to verify that the inquiries were in fact done by me and they could produce no evidence. Therefore, it is unfair with no evidence to assume the inquiries belong to me. According to law, anything on my credit report that is inaccurate information has to be deleted. It can only stay on my report if their is evidence and this bureau could not find any because they were never done by me.
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting 2 Bankruptcies on my credit report. They are continuously stating they are verifying the reports through XXXX. I have a letter from XXXX stating they deleted the Bankruptcies from my consumer reports and are no longer showing any Bankruptcies. They also say they are not reporting any Bankruptcies to Equifax. I also have a letter from the Bankruptcy Court stating they are not reporting any Bankruptcies to Equifax as well. They also have not marked any of my reports as disputed per FCRA laws.
Complaint sub-issue: Other problem getting your report or credit score

I have been recently applying for a mortgage. I have gone through 3 lenders, and they are not able to pull my Equifax information. I have tried to speak to Equifax over the phone multiple times, but they say there is no issue on there end. I even went ahead and removed a fraud alert from my Equifax file, however this does not seem to help. 

Additionally, I have disputed 2 XXXX XXXX loan accounts that I did not recognize on the report. I filed a FTC report for those accounts, however Equifax has still failed to remove those accounts. 

I have attached confirmation of the fraud alert removal as well as the paperwork for the accounts I do not recognize.
Complaint sub-issue: Credit denial

XX/XX/2020 I applied for a car loan as a co-signer to my nephew, XXXX XXXX, at XXXX XXXX. XXXX ended up financing up and I didn't realize they had applied to PNC Bank and XXXX XXXX. XXXX XXXX and PNC Bank sent me letters later where XXXX XXXX had approved me, but XXXX took on the financing. However, PNC Bank wrote a scathing denial letter dated XX/XX/2020 stating erroneous and slanderous information regarding delinquent payments, ( 1 ) Serious delinquency, ( 2 ) Ratio of balance to limit on bank revolving or other revolving accts too high, ( 3 ) Number of accounts with delinquency, and ( 3 ) Length of time accounts have been established which are all slanderous and incorrect, from XXXX  Credit Reporting agency in XXXX, Texas. This is a lie. XXXX  Credit Reporting could not have that kind of negative information in their agency relating to me and my credit when I have a XXXX credit score. I contracted PNC Banks Executive Department and they told me my credit denial was due to being lumped in with my nephew 's credit. However, they addressed the letter with the slanderous inaccurate information only to me and did not mention my nephew 's name in the letter so that anyone reading their denial letter would view my credit as horrible when I have a XXXX Credit score. I  wanted PNC Bank to retract the letter, but they sent me an assinine explanation that, " It is assumed that each applicant will know whether the reason ( s )  are specific to them or the co-applicant. This is horrendously insulting. PNC Bank did not name my nephew, XXXX XXXX, anywhere in the letter addressed to me and sent to my address with those terrible and inaccurate descriptions of my credit. Ms. XXXX of PNC Bank 's executive office also continued to initially contact me at my home number when I sent return emails to her and left numerous voicemails giving her my cell phone number because at XXXX years old, I continue to work full time. But after a few days of continuing to call the wrong number, Ms. XXXX sent me an email stating that they had attempted to contact me, but could not reach me so that they were going to close the case. I left distinct and clear messages giving Ms. XXXX my daytime cell phone number and sent return emails asking her to call my cell number. So for her to fein not being able to contact me as an excuse to close the case was a cover-up of their wrong doing. Ms. XXXX finally called my cell phone after I told her my next step was a complaint with CFPB. But then she came up with that ridiculous explanation of why they said the terrible things about my credit in their XX/XX/2020 letter which can not be true when I have a XXXX credit score.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I financed a car. I tried several times to get the dealership to fix the car. They put it in the shop XXXX times and didnt fix the problem. I broke down in the car so I had it towed to a XXXX dealership where they told me that the car needed a timing chain. I bought the extended warranty at the dealership when I signed the loan. The warranty company refused to fix the car with the excuse that I didnt have an oil change receipt but the fact is I only put a total of XXXX miles on the car and the dealership supposedly did an oil change on the car when I bought it. The car did get repossessed but I feel the dealership and the warranty company were and still are using fraudulent tactics
Complaint sub-issue: Was not notified of investigation status or results

This is a Credit Reporting Company their job is to make your credit report available yo you. Their computer system software is totally inept. You are sent information to view dispute results when you go to this page it never loads your dispute results, there is always one error message or another. Have tried multiple times at different times of the day and night to accomplish said task. They are incredibly hard to get on the phone, all the time, only by tricking their phone system can you get to a live person. Their version of a credit report is nothing like the other two agencies, it is very hard to understand and read, it is excessively long compare to the other two. I have never ever been provided a score by Equifax. Getting them to do what they say they will and are supposed to do is very difficult. I have previously asked for them to be mailed and never received them, requested again today, but I have no faith in Equifax.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This company ( XXXX - XXXX XXXX XXXX XXXX ) calls FROM XXXX to my WORK number weekly for the past 2 months. I have request each time that they DO NOT call this number as it is a work number and I am not allowed to receive personal calls on this number. The company DOES have access to my personal number but continues to call my work number even after multiple requests for them to stop. Their last call to me AT MY WORK NUMBER was XX/XX/2019 at XXXX XXXX   Arizona time.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

This account is being reported inaccurately. I see repetitive late marks and I do not see the date of last activity being reported which is a violation of the FCRA.
Complaint sub-issue: Funds not received from closed account

My Citi bank checking account got closed on XX/XX/XXXX. And Citi bank agent told me that the funds total {$32000.00} in my account would mail to me within 7-10 business days after XX/XX/XXXX. Today it's XX/XX/XXXX, I didn't receive any funds/checks from Citi bank . I called them at least 50 times in these 2 months. The agents told me that check was sent then requested another check twice for me and asked me to wait for the 7-10 days, just keep waiting for it. I asked for the tracking number and they never gave me. So Citi bank is playing the game and won't send me the funds. It's nonreasonable. I complanited to them so many times and they didn't do any further action.
Complaint sub-issue: Threatened to sue you for very old debt

Pre-Legal Notice XXXX Company-Best Buy XXXX  will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2019 I placed an order through XXXX  4 cash price of {$150.00} on XX/XX/2019 I made an order that was a total of {$250.00} through XXXX  I also at that time was disputing a charge on XX/XX/2019 for XXXX XXXX and tried reaching the company and the phone number is disconnected these three transactions are fraudulent I went online within two days of the purchase on the XXXX and the XXXX for these items and when I went to their websites within two days of purchasing the websites disappeared they would no longer available I went back to through XXXX to these stores that they endorse and they said they would look into it however the companies have disappeared and I'm stuck with the bank saying that because I gave them my card number I was responsible for them not producing product well the company was fraudulent to begin with and I didn't know this until two to three days after I made the purchases the bank that I'm dealing with direct deposit company issued my money back to my account on XXXX XX/XX/2019 they took the money out of my account again saying that they had conflicting information about my complaint I however did not know when I complained almost immediately to the bank that these companies were already considered fraudulent I looked into the company 's before I placed my order and there was nowhere that they said that these companies were fraudulent except for two days later when then they now were fraudulent my back knows this and for some reason they will not send me the information that they received which caused them to reverse their decision of refunding my money of {$450.00} I have made this request to them personally through a supervisor on three occasions I still have not gotten their paperwork telling me why they made this decision they sent me paperwork with just a copy of my transactions and nothing in that paperwork tells me why their decision was what it was I'm very upset with this company I've gone through this ever since I made the purchases back in the fall I have been going back and forth with this bank trying to get them to listen to me and they just keep putting me on hold in fact the last time I waited for a supervisor for 2 and 1/2 hours on the phone only to be put off again to be told that I'm sending the information to you in the mail immediately well that hasn't happened and I'm very upset I'm on Social Security I need that money back I did it with good intent the company was fraudulent it's proven its fraudulent and I don't understand my Banks reluctance in returning my money so therefore I decided this morning that I was going to place a complaint against them they are very difficult to get a hold of they are very good at putting you on hold for a very long time only to send you to the wrong representative over and over again there's no address to reach them the phone number is the same for everything and I'm just very upset with them I don't know if you can help me with this but I surely hope you can
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Credit Bureau Re :  Unauthorized credit inquiries account # XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX   XX/XX/XXXX 2017 To whom it may concern : I recently received a copy of my credit report and i noticed inquiries i did not authorize and which i do not have knowledge. Please be advised by law no inquiries can be placed on my credit without my authorization. I am requesting that this inquiry is removed immediately from my credit report. Please send me an updated copy of my credit report after this inaccurate information has been removed. 

XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

Equifax did not delete both the disputed account and it 's duplicate collections account which is beyond the 7 year statute of limitation for being on a credit report. Equifax instead only deleted the collections item and left the original creditor. The creditor 's item is well beyond the 7 year period of first default, for being on a credit report.
Complaint sub-issue: Reporting company used your report improperly

N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX  made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.
Complaint sub-issue: Information belongs to someone else

id theft victim everything enclosed police report enclosed hippa riights and cra
Complaint sub-issue: Information belongs to someone else

I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX AXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. CXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

They refuse to remove a collections from the XXXX XXXX. I never owed them anything I went to court with my cable company as they overcharged me and owed me money. Collection was an error and it was removed from both XXXX XXXX and XXXX  however Equifax refuses to remove it. The collection agency reached out to the credit agencies to remove the information