Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have countless times contacted Equifax as they are reporting incorrect accounts on my credit report. MY credit report is mixed with my brothers. I have been disputing this since the last year ( 2019 ) I have even sent copies of my license, social security, and all the information needed to prove the accounts showing on my report are incorrect. I have been on the phone for countless hours and the agents refuse to let me speak with a supervisor or manager. At times I would be on hold for 20-30mins and  they just hung up on me. I have researched this issue and a lot of people have had similar issues as they use initials to identify reports and I need them to use my full name and confirm using my social security number. This is extremely frustrating as I have worked hard to maintain good standing with my credit.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 2021
Complaint sub-issue: Investigation took more than 30 days

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent certified documents in the mail no response. I was told they didn't know where they were for me to resend them again.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Discover card on my report that was opened years ago. I have been going back and fourth stating that these charges were unauthorized which ran up my card amount and then the card was canceled by the company ( Discover ) because I refused to pay the bill. I can not legally be held accountable for fraudulent credit charges and there were over {$2400.00} worth of charges. The account reporting is not tied to any information of mine. I would like proof of my ID being used to open this account then also of the charges that were accumulated on the account as well. I believe this information is erroneous and needs to be rectified immediately. Removed in good standing.
Complaint sub-issue: Fee problem

I've reached out to PNC 3 times via social media, online portal and call to get my acct to only have paperless statements but they still haven't changed this, thereby charging fees every month for paper statements.
Complaint sub-issue: Debt is not yours

Starting Tuesday, XX/XX/2021, I have been receiving text messages from Leap Credit about free service designed to help resolve an account. I have never had an account with this company.
Complaint sub-issue: Received bad information about your loan

Hello I appreciate the hard work you do. If there is any chance to look into myfedloan.org for not keeping records of what I paid them since XX/XX/XXXX on my school loan. I owe XXXX in school loans which started at XXXX that I started paying 12 years ago. They just told me yesterday that none of my payments have gone towards it. They have no record of my payments before XX/XX/XXXX even though on their website it says it started in XX/XX/XXXX. 

Anyway keep up the good fight, thanks for listening. 
XXXX XXXX XXXX PS- I have never reached out for any help in 59 years of living in Ohio .
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Complaint sub-issue: Account information incorrect

The car has been paid off for months ago and I also tried to correct this before with Equifax!
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC1681. 

Equifax is govern by 15 USC1681. And they violated my rights numerous of time I demand the accounts listed below be remove because According to 15 USC1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I filed a complaint to the CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX regarding a payment issue whereby I had OVERPAID the XXXX XXXX XXXX by {$750.00} and UNDERPAID XXXX XXXX XXXX XXXX by the same {$750.00} amount. As a result of this complaint, a XXXX XXXX Senior Specialist in Corporate Customer Relations promptly researched the issue, verified the payments, and corrected both the XXXX XXXX XXXX XXXX account to reflect paid and current ( NO adverse entries on my revolving account ) AND she generated an AUD Correction Update to XXXX, XXXX, and Equifax to notify them of the correct payment, correct balance, and to ensure the removal of any adverse payment information that may have been previously reported to these three credit reporting bureaus. The date of this AUD Correction Update was XX/XX/2021. I noted that both XXXX and XXXX promptly corrected their records and my credit score was immediately restored upward by both, 91 points, an exact reversal of the earlier, derogatory entries. I received no acknowledgement of the correction from Equifax. However, on XX/XX/2021, I received an alert that Equifax dropped my credit score by 91 points. Upon further research, I noted that Equifax appears to have entered the AUD Correction Update as an if reflecting INCREASE of {$750.00} to my XXXX XXXX XXXX XXXX balance, not a DECREASE of this amount - thus creating yet another derogatory entry to my credit record with the Equifax firm. I am requesting that the AUD Correction Update be reviewed and if entered incorrectly, CORRECTED to reflect an accurate record of payment and balance on my XXXX  XXXX XXXX XXXX account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent XXXX reimbursement check. XXXX stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, XXXX has erroneously reported it as a Charge OFF. I contacted XXXX, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Complaint sub-issue: Deposits and withdrawals

My account was plased on a 10 day hold because somone claimed the money they sent me via XXXX  on XX/XX/XXXX was fraud so now the rest of my fund have been on hold for more then 10 days and no resolution on what would be done i have all the proof he sent it but that's not the case i have the rest of my funds on hold XXXX and no answer
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I found this debt under the name of Receivables Management on behalf of XXXX XXXX on my credit report. I disputed through the credit bureaus this debt because I had not received any information from Receivables Management about the collection items and there was dispute with XXXX XXXX about how they had billed the insurance initially. Receivables Management responded that the debt was valid and did send me information in the mail about the debt. This dispute was filed approximately 90 days ago. 

I am now in the process of obtaining a mortgage loan and would like to resolve this debt and contacted Receivables Management on XX/XX/20 and spoke to one of their front line collections agents. They stated to me that because I had disputed the debt, they were not able to assist me and I would have to speak to their supervisor line to resolve the issue. I called back using the number provided and immediately had to leave a voicemail. The voicemail stated that I would receive a phone call in 24 to 48 hours. Since they did not specify business hours, I waited until Tuesday XX/XX/20 to follow up and called back and had to leave another message. After not receiving a call, I called back on XXXX/XXXX/20, and again, had to leave another message. I called and spoke with another frontline collections agent, who again told me they could not help me, but would try to get a supervisor. All they did was transfer me again to the voicemail for the supervisor line. 

I am attempting in good faith to resolve these items. I am want to pay them and I want them removed from my credit bureau report, but the company is making it difficult to do that. They are creating an unfair situation that is having a negative impact to my credit score. This could be seen as a violation of the Fair Debt Collection Practices Act. They are penalizing my ability to pay this debt solely because I disputed the debt initially and that is per their collection agent 's statement.
Complaint sub-issue: Debt was result of identity theft

Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : IQ DATA INTERNATIONAL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Equifax Mtg on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Card service on XX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX my husband and I requested a car rental from XXXX XXXX XXXX ( service provider ) for XXXX XXXX XXXX XXXX, Alaska. On XX/XX/XXXX we went to pick up the car and the service provider was unable to meet any appropriate standard for a car rental service ( see Exhibit A ). We were picked up from the airport and driven to a junkyard containing several dilapidated vehicles. Our first glimpse of the car revealed a hole in the hood presumably caused by an axe and blinking warning lights such as check engine and tire maintenance. We felt unsafe in this isolated and unfamiliar environment in Alaska and wanted to get out of there before we could ask the merchant for a replacement vehicle. 

As we drove the car, we discovered that basic safety features such as airbags, an engine which operated safely, and tire pressure maintenance systems were all not working on the car. This was communicated to the merchant multiple times ( see phone records and text messages in Exhibit B ), and he confirmed Some more vehicles coming in around [ XXXX XXXX ] guaranteed ( bolded for emphasis ). As you will see in Exhibit B, this replacement guarantee was not met at all and eventually correspondence went unanswered for several hours. We were eventually able to return the car to the service provider later that evening check due to the aforementioned safety concerns and the failure to provide a reasonable car rental per our agreement. When we spoke to the service provider at the car rental lot, they stated they were unable to access their credit card accounts due to an ongoing bank issue and thus requested us to do a chargeback in order to process a refund on the card. 

We would also like to note that we subsequently found that the owner and operator of the service provider was found guilty and sentenced in XXXX by the State of Alaska for reasons related to his involvement in the car rental business ( see http : XXXX XXXX ) and the merchant may want to reconsider doing business with an individual who has recent convictions in related businesses. 

We have been in communication with Citi since these events unfolded in XX/XX/XXXX via phone 7-8 times, each call lasting 30-60 minutes. They have been inconsistent with their responses, with various customer care executives claiming different narratives on process and resolution. They deliberately misguided us more than once by claiming that they will give us a refund or chargeback and not delivering on that promise. I would like to terminate any transactions on this card as soon as this issue is resolved. 

As such, I am requesting a refund due to ( 1 ) the service providers own advice to do so, ( 2 ) the inability of the service provider to provide the agreed upon car rental service, and ( 3 ) the merchants dispute response packet did not include any charge authorization by us, including signature, or evidence of the service being delivered. I do not accept this charge and request a full refund of the amount.
Complaint sub-issue: Public record

Equifax refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
Complaint sub-issue: Was not notified of investigation status or results

hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, XXXX, Equifax with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example equifax has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX Equifax is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and Equifax removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.
Complaint sub-issue: Trouble with how payments are being handled

American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my XXXX  and XXXX  attempt to get this XXXX late payment removed from my credit profile or to remove the entire account completely. I have sent in XXXX documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for XXXX to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a XXXX XXXX late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX XXXX late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to XXXX, XXXX, XXXX XXXX and Equifax. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, XXXX and Equifax has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Didn't receive notice of right to dispute

I have tried multiple times to get Equifax to take off a collection debt from XXXX XXXX XXXX from my credit report. I have a collection for an apartment that I used to live in. I have provided documentation to Equifax showing that I had moved from this apartment and removed from the lease signed by the Management Company. They for some reason still insist that this is my account. The " validation '' I received was a water bill that they forgot to change out of my name. I can not be charged for rent for a place I did not live and took all the steps necessary by the management company to leave.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax, & let them know that when I check my XXXX APP, my Fico score, it has negative or derogatory information when I check my Fico score, about bankruptcies and public record and collections that doesnt apply to me, is not mind, I them to remove from my credit report or file, Equifax said it is not on my file, I will try up load this information, please help me this issue, Thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not mine

This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.
Complaint sub-issue: Account information incorrect

I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, XXXX and Equifax as soon as possible as this has been going on for too long.