Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

This past weekend and again today I tried to get my free annual credit report online from Equifax. Each time I was provided a text box that stated I could not get an online report. I tried to use two different browsers and got the same result. I thought each of the three reporting companies is supposed to provide a free online or paper report. I want the electronic version. Is a specific browser needed or does Equifax have a temporary problem?
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2016 I settled an XXXX XXXX with XXXX, for the past two years Ive been complaining that the wrong information has been reported to my credit report. Im complained, wrote emails to representatives at the bank, and complained to Equifax and its still has wrong information being reported. My next steps are reporting XXXX   to the Texas Attorney General and to the Texas Finance Commision in addition to filing a Lawsuit against XXXX and Equifax. I have disputing this account for the passed two years and Ive saved the results and have my credit reports for the past two years. This is very unethical for a lending institution to do this in addition violating FCRA Laws.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB, I am writing in regards to XXXX and Equifax refusing to delete re-aged XXXX XXXX account XXXX. XXXX is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 during a visit to a dealership and i was alerted that their was a repossessed vehicle with an outstanding balance on my credit of {$10000.00} showing from VEROS CREDIT. I have never had any vehicle from them nor did i authorize any. Afterwards i made a police report and tried to resolve it with VEROS credit. Attached is the conversation between us via email in which i stated multiple times i did NOT want to speak on the phone because i wanted all of our communication in writing. I gave them everything they asked me for and followed up so many times. This is affecting my day to day life because i need to move out and can not qualify for anything because this displays on my credit. They have never reached back out to me with any solutions. Attached below is also the police report, my ID and documents i sent over to veros and an affidavit i sent over to them as well.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove a fraudulent account on my credit report despite of proof I submitted.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

Hello. 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 15 USC 1681. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

XXXX XXXX is inserting the same account numerous times to my credit report as a harassment tactic. I have asked XXXX, as well as Equifax and XXXX to investigate these inaccuracies through certified mail on three attempts ; to no avail. Equifax shows the same XXXX account 3 times, while XXXX shows the XXXX account 2 times. I have tried to resolve this numerous times. I am being denied for credit because my credit report shows there are too many collections.
Complaint sub-issue: Information belongs to someone else

THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE
Complaint sub-issue: Information belongs to someone else

I attach the report with the fraudulent accounts I never open.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I wasnt aware that I have 2 accounts for my HOA I did pay one account this year and I ask the agent if I owe any money she said I dont few months later I received a letter I owe a amount for different account. I ask her for the payoff amount. And is way too much for attorney charger and fees last time the amount was more than this one and I payed less amount. I need help please
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was sent a case of wine that I did not order, from a company that had my credit information from a precious transaction one year ago.
Complaint sub-issue: Debt is not yours

this account was closed about 2 years ago returned equipment the person that helped me out said everything was good i asked for a receipt he said i did not need a receipt i will not pay I'm struggling financially i lost my wife to XXXX XXXX i am getting text messages & e-mails from these people i will not pay
Complaint sub-issue: Account status

I have an acount with XXXX XXXX, account # XXXX. The balance is XXXX. Equifax fails to reflect same XXXX balance after numerous attempts.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

I have really struggled during covid I have made my payment noted some were not over 30 Days late but flag ship credit acceptance has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and XXXX no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out
Complaint sub-issue: Can't decrease my monthly payments

I have private loans with both XXXX and Citibank and a federal loan with XXXX. My payments for all XXXX amount to {$1100.00} per month ( though only {$120.00} of that comes from my Federal loans ). I am a XXXX and only make {$20000.00} a year, and I have been having a lot of trouble making my payments and paying my rent at the same time. For the past 4 years, I have tried to remedy this situation, first by attempting to contact my private loan companies ( they claim that there is absolutely no way that they can change my 10 year repayment plan to a 20 year repayment plan, even though they currently offer the 20 year repayment plan to other clients ). They instead suggested that I could consolidate my loans through another lender, and so I have attempted to do so through XXXX different companies, first through XXXX XXXX and then with XXXX 's Bank. My father, who was my co-signer on the original loans, passed away, so it is no longer an option to apply with him as my cosigner. I applied first with my grandfather as my co-signer, and then my uncle, both of whom have fantastic credit scores and substantial income. I was turned down XXXX, based not on my credit score ( which at the time was in the high XXXX ) but based on the fact that I am a XXXX and do n't have " provable income ''. 

So, I am at my wit 's end. I can not afford to pay the sum I am being asked to pay per month while still paying my rent and buying groceries. My loan companies refuse to work with me to help me with the repayment and so I am currently two months behind. I have no desire to be a delinquent borrower, but the system has left me no choice. I 've exhausted all other options, and so I 'm praying that you might be able to help me in some way.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a TV from a retailer, but when I opened the TV it was broken. The retailer was not willing to take back the TV. 

While in the store, I called Citi on XX/XX/XXXX and told them that I intended to leave the TV at the store if they could assure me I would get my money back. 

Their customer service rep assured me twice that I would receive a full refund, so I felt confident leaving the TV at the store without documentation. I stayed on the phone for confirmation that I would get my money back through email. It took a very long time so I told the associate I would look out for the email and if it was not received, I would call again the next day. 

The next day ( XX/XX/XXXX ), I called back because I did not receive an email. The second associate I spoke to told me they could not issue an email but that it was highly likely I would get a full refund, so I should not worry. 

Based on these communications, I did not get any further documentation and left my TV at the store. 

On XX/XX/XXXX, my dispute was denied for lack of documentation. This is very distressing and unfair because i would told explicitly that I would get my money back. I was clear about leaving the store without the TV and confirmed twice they would credit my money. 

A Citi agent felt this was unfair and confirmed my recollection of these events ( by reviewing the call history ) and plainly said that if he could have, he would have issued me a full refund. But he was not authorized to do so. Citi was only willing to issue me a courtesy credit of {$100.00}. 

Citi should take responsibility for their customer service department. Because of their misinformation, I have no TV and no recourse. I have lost more than a XXXX dollars and neither Best Buy nor Citi are taking responsibility.
Complaint sub-issue: Problem with fees

In XX/XX/XXXX I contacted Citi to close my Citi Premier Card due to the annual fee. Given that everything has changed due to covid, I thought I should save that {$95.00} rather than pay the bank. While speaking via phone, the representative offered me a deal/offer : If I spend $ XXXX/month, for three months in a row, Citi will refund the charged annual fee. Given that I like the card, chose to accept the offer, I even thanked the rep For offering me that. Offer was active from XX/XX/XXXX to XX/XX/XXXX. I did spend the required amounts, yet the annual has not been refunded. I have contacted Citi a few times via phone and via Chat ( message us tool at citi mobile app ). Via phone I have spoken to : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and the Last time I spoke via phone was on XX/XX/XXXX, first with a rep called XXXX, then with a supervisor named XXXX. -XXXX  confirmed that I have completed the required spending, therefore I will get the fee refunded at the end of the cycle XX/XX/XXXX. It did not happen. The chat reps were absolutely incompetent ( last conversation tonight XX/XX/XXXX XXXX with XXXX  ). 

Today, 6 months after Citi promised and offered the deal, ( I paid the {$95.00} annual fee in XX/XX/XXXX ) I am writing to you due to their irresponsible behavior. They should have let me close the account, not lie to me with an offer or promise they did not intend to fulfill!
Complaint sub-issue: Didn't receive enough information to verify debt

I notified the Debt Collector that their services were no longer needed, and I would prefer to settle with the original creditor. I also wanted them to send verification that the debt was valid. 

Sent certified letters on XX/XX/XXXX, XX/XX/XXXX. Have received another letter from them dated XX/XX/XXXX.
Complaint sub-issue: Received bad information about my loan

I co-signed a student loan for $ XXXX for my daughter that originated from XXXX and subsequently sold to Discover ( we never received any notice of this takeover ). 
After the takeover neither my daughter nor myself received any statements about loan payments due ; then earlier this year Discover started sending notices the loan was 6 months past due and also started the negative reporting to the credit bureaus ( XXXX, XXXX, etc. ). Due to the ineptness of Discover my credit numbers have taken a nosedive by approximately XXXX points. Is the penalty against Discover cover anything about restoring my credit numbers? If so how much time are they allowed to get it corrected? If there is no provision about credit rating restoration why not? Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between XXXX  and Equifax. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2 credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for XXXX  is XX/XX/XXXX, but Equifax shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX XXXX XXXX XXXX be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!
Complaint sub-issue: Was not notified of investigation status or results

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately XXXX separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Complaint sub-issue: Didn't receive services that were advertised

When the news broke about Equifax I decided to check the website they gave to see if my information had been compromised. According to the website it said that my information probably was not impacted. Probably, is not that reassuring! I let it go until a couple weeks later there was something else in the news about Equifax so I decided to check the website again and this time it said my information may have been impacted. May, is even less reassuring than probably!! So I decided to follow through with the next steps to get the free credit monitoring service through the website they gave. What a convoluted mess!! I have talked to so many people at different numbers and have received zero satisfaction. First of all, since they caused the mess why do I have to jump through all these hoops in an attempt to get the free credit monitoring service when they are responsible for the problem, if anything they should get in touch with me and tell me they are giving me this service. All the different numbers I ended up calling started from the number on the website, then in a couple of instances I was automatically transferred to a different number, which made me uneasy. In all cases I was asked for my private information ; only one time did the person on the other end ever ask for my entire social security number. I was uneasy about giving it to them but since the number I started with was from the original website I was given to follow up on this matter I did and also one of the other one people that I spoke with said that they occasionally do ask for the full social security number. My reservation about give any private information to Equifax is that they did not do such I great job safe guarding it in the first place so why should I trust them with it this time. I even filled out the information form twice on their website and still absolutely no satisfaction. On one of the last calls I made I asked the gentleman on the other end where was I talking to him from and his reply was XXXX, my thought was XXXX!! Why am I giving my private information to someone in XXXX!! I could not believe it that Equifax had the unmitigated gall to out sourced this problem to a foreign country. I am absolutely thoroughly and totally discussed with the whole mess and am in a quandary as to what my next move is?? I hold Equifax completely responsible for any issues with my credit for the foreseeable future. What really takes the cake is that Equifax will probably walk away with absolutely no penalty what so ever and the consumer again is the one who will be left holding the bag.
Complaint sub-issue: Information belongs to someone else

collection Agency XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$950.00} Amount {$950.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Completed and was not removed. XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Competed and was not removed. XX/XX/XXXX Police report was faxed in to Equifax inwhich this is what equifax representative told me to do, with copy of social security card and id. XX/XX/XXXX Representative from Equifax stated that the police report was not accurate because it did not contain specific information related to each fraudulent mistake. I was never told by any representative that it should be specific for each mistake. Furthermore Investigator stated that there was nothing that he could do and equifax would need to handle dispute and case would be closed on his end. I have completed every action stated by Equifax that I would need to take and this situation still hasn't been resolved. I have asked for a signed contract with my signature and either has been able to present one. Therefore if there is no contract, there is no debt owed and this is fraudulent.
Complaint sub-issue: Information belongs to someone else

I reported this issue to all bureaus and nothing was done. I would like this issue to be resolved due to code 15 U.S.C. 1681c-2 Block any reporting information if the consumer identifies as information that resulted an alleged identity theft no later than 4 business days after date of receipt.
Complaint sub-issue: Investigation took more than 30 days

In XXXX of 2022, i filed a dispute Equifax about the Unverified account XXXX XXXX account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you