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

EQUIFAX continues to violate my federally protected consumer rights. I am a consumer and natural person. I never consented with EQUIFAX to have or share my personal information. I demand that EQUIFAX immediately delete accounts XXXX XXXX/ XXXX and both DEPT OF ED / XXXX
Complaint sub-issue: Investigation took more than 30 days

THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2015 Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX
Complaint sub-issue: Banking errors

Hello yes i my week of XX/XX/2018 started off with nothing but i don't knows and incompetence. The large bank know as BB & T did nothing to help or assist the consumer after a direct lie. This lie is costing the start up company thousands of dollars and the bank does not care it could possibly cripple the company. The bank manager was not helpful at the location XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX after i informed her that her employees lied and she was also one that assisted in the set up of my account. I want the employees and the manager to be held accountable for all the charges i incurred for charge backs on the accounts as well as the fees i paid for my merchant services and the funds to be released from my account. Secondly i need to be compensated for my time so the total amount liable to bb & t should be {$3500.00} minus the released funds. 
The issue at hand i explained to BB & T as i set up an account for business banking that i would be processing checks through a third party that would be deposited in the account. I was informed of a specific account that would manage all of my needs. I was excited at the time to make BB & T my main bank. So as i transferred my account over to the bank i find out everything i was told was a lie! The bank then just gave me a bunch of i don't know 's and sorry we cant help you and then they said they will close my account! no one accepted responsibility for their actions that will cost a new small company thousands of dollars not even to consider clients that might cancel due to the terrible customer service of the bank. I have consumers that were charged fees and over draft charges from their accounts due to the delay of the bank.
Complaint sub-issue: Account status

Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I originally disputed XXXXXX/XX/XXXXaccount with Equifax specifically asking them to verify this account ... and if the account was verified I wanted them to send me all documents supporting this account .... Eqiufax has failed to supply me with supporting evidence as I am entitled to according the FCRA consumer regulations ... ... they never sent me any thing verifying this account
Complaint sub-issue: Information is not mine

My visa card company rejected a payment and I had a letter from them saying they had reduced my borrowing level to XXXX. When I rang them they told me that Equifax had a late payment on my credit report. I joined Equifax and discovered that someone had used my name and old address to take out a card with XXXX XXXX XXXX. I emailed XXXX XXXX XXXX and they told me that they had never had any account under my name. I contacted Equifax with this information disputing their false allegation on my credit report as I no longer lived at my old address and was n't living there when this card was taken out. Equifax told me to ring XXXX XXXX XXXX. XXXX then told me that indeed someone had fraudulently opened an account with them in my name and old address and promptly changed the address. The card was frozen and the account closed. All I had to do was request Equifax to contact them and the erroneous credit black mark would be expunged from my credit report. I did that but Equifax remained adamant that the identity theft would remain on my credit report. I am now making a complaint about this
Complaint sub-issue: Information belongs to someone else

This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In early XX/XX/2018 I contacted XXXX to find out what the bill was for. They advised it is an XXXX XXXX XXXX Bill. Ive contacted XXXX XXXX XXXX several times because I was billed a cancellation fee when i still had services. In XX/XX/2018 I entered an agreement with XXXX to pay any debts associated it them and another company. XXXX has continued to call despite the arrangements.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Last reported XX/XX/XXXX {$400.00} Open balance XXXX XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXXXXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name XXXX XXXX XXXX  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 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: Account information incorrect

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, Nelnet XXXX XXXX XXXX XXXX XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Complaint sub-issue: Account information incorrect

I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA
Complaint sub-issue: Public record

I 'm complaining against Equifax for their negligence in not making sure that my credit report is accurate after I have proven to them time and again that they are reporting these XXXX public records inaccuratey. I am including the letter that I sent to them as well as my credit report. Here is the body of my letter to Equifax : *you can see the public records section on page XXXX of the report XXXX XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/001 '' as well as the court that you have listed must be accurate which it is not - " XXXX ''? XXXX what? You also have no plaintiff! 

XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/0001 '' as well as the court that you have listed must be accurate which it is not - " XXXX count ''? I 'm also including the proof that this account is paid and that you are reporting a balance when it has been XXXX released and paid! You also have no plaintiff!
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing ( PHEAA ) has begun ignoring my standing payment instructions yet again. This is the sixth CFPB complaint I have filed because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint, and subsequent complaints. The most recent example of incorrectly applied payments is my payment for {$1000.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX ( Loan # 8 ) and interest rate of 4.45 % ( the highest rate ) but it was instead applied to loans with lower interest rates ( disbursed XX/XX/XXXX and XX/XX/XXXX ). I have attached a screen capture showing that this payment was not applied correctly.
Complaint sub-issue: Debt was result of identity theft

Company repeatedly contacts me in attempt to collect a debt that is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX at XXXX. I called Equifax to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX and XXXX in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a collection in the amount of {$330.00} on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND ANTHER ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
Complaint sub-issue: Information belongs to someone else

I noticed several accounts on my Equifax credit report that does not belong to me XXXX XXXX XXXX... XXXX XXXX XXXX XXXX Bank ... XXXX XXXX XXXX XXXX... XXXX XXXX Bank. XX/XX/XXXX... XXXX XXXX Bank XXXX XXXX ... XXXX XXXX Bank XXXX XXXX ... XXXX Dept of Ed / XXXX ... XXXXXX/XX/XXXX... XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XX/XX/XXXX... Unauthorized inquiry... XX/XX/XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Deposits and withdrawals

I opened account about a month I deposited XXXX cash and my settlement check of XXXX and I made deposit in person in the branch the lady I spoke with treated me like I was just below her her name was XXXX XXXX XXXX they are holding my funds
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Was not notified of investigation status or results

I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX.
Complaint sub-issue: Account status incorrect

I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have XXXX open complaints against Equifax XXXX XXXX at CFPB lack of responsabilitys to enforce I am asking all XXXX open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well Equifax responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, EQUIFAX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.
Complaint sub-issue: Public record

Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.
Complaint sub-issue: Problem with personal statement of dispute

Hello my name is XXXX XXXX I am writing this letter to whom it may concern, I have a loan that was recently reported on my credit report as 90 days late payment, these payments were late cause I was told that I had forbearance time to consolidate my school loans Now that I know I was given the wrong information I wanting to know if there is any way that if I bring my payments to current and set up automatic payment with a checking account could these late payments be removed from my credit report as a good will gesture I know that its not an obligation or if this is possible but it would be greatly appreciated I do construction work and it is seasonal which that said XXXX to XXXX are the busiest months here in Ohio, I started to make payments in XX/XX/2018 and what I should have done is set up automatic payments so I would not encounter these problems please let me know if there is a possibility of this happening I have worked so hard to build my credit scores and to have it taken away without warning of the situation that was going to take place and this really hurt my lively hood witch would intern help me to take care of the loan I feel so terrible, please let me know thanks in advance I will also be updating my contact info so that I can receive nelnet alerts thanks in advance I am awaiting your reply
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.