Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint as it seems like Equifax is blatantly ignoring my requests to delete a bankruptcy Chapter XXXX # XXXX that is on my report. On XX/XX/XXXX I sent a dispute to delete this bankruptcy informing them of all the errors that this entry had and on XX/XX/XXXX they sent me a response via mail stating that it was verified through XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. On XX/XX/XXXX I sent a method of verification to which they replied on XX/XX/XXXX without providing any information except that it was verified via XXXX. I then sent another dispute via certified mail on XX/XX/XXXX requesting for the removal of said bankruptcy because it was not verified, I included the letter from the Bankruptcy Court stating that the court DO NOT provide information regarding bankruptcies to the credit bureaus, and on XX/XX/XXXX, past the 30 days for response, Equifax sent me another letter stating that it was verified via XXXX. On XX/XX/XXXX I sent a final letter asking Equifax to delete this entry because it has not been verified after all my previous correspondence, along with the letter from the Bankruptcy Court, and parts of my report with XXXX where it shows that there is no entry related to a bankruptcy. To my disappointment, on XX/XX/XXXX Equifax replied stating that it was verified via XXXX. 
On XX/XX/XXXX I spoke with a supervisor at Equifax and this person was telling me that XXXX inserted this Bankruptcy on my report, which seems strange because it should come directly from the bankruptcy court. Then this person proceeded to say that in case there was no bankruptcy in my XXXX XXXX report, then XXXX needed to inform Equifax and IT WAS NOT Equifax JOB TO INVESTIGATE this entry. 
How can Equifax not provide method of verification?, how can I know for a fact that they did a comprehensible investigation if according to the last representative I spoke with, Equifax DOES NOT INVESTIGATE?, and if they verified/checked XXXX, and there is no bankruptcy on my file ( for which I provided proof ), they are still stating that the bankruptcy was verified via a 3rd party company that does not have this bankruptcy in my credit file? therefore I DEMAND THAT THIS BANKRUPTCY BE DELETED from my report IMMEDIATELY. I am attaching all the correspondence I sent to them as well as the companys response ( in which they repeatedly states that XXXX was used to verify this bankruptcy ). It seems like they are LYING and not conducting an investigation AT ALL. 
I don't think that at this point there should be no additional investigation ( Equifax had 3 months to actually provide proof/verification/reach out to XXXX XXXX and it is clear that they are not doing this.
Complaint sub-issue: Debt was result of identity theft

I disputed directly with ERC in XX/XX/2018. I received a copied bill that the dates on some pages where edited and information changed. I sent a 2nd request on XX/XX/2018 to dispute and req signed contract or judgment as the address listed in the documents was no longer my address at the time/dates listed. Address the dates were altered and not matching date/ year that's in the history. I have not received a response from ERC.. They continue to report inaccurate information in my credit report. Attempt to dispute via credit agency a s they stated I have to dispute directly with ERC.
Complaint sub-issue: Account status incorrect

I have contacted all three credit bureaus and the Social Security Office in regards to an account being report as a collection when in fact its not. I have two letters from the Social Security Office where they state that the account is not in collection and that its up to date. The first letter I got was in XX/XX/2018 and the second letter was in XX/XX/2018. Even after contacting all three credit bureaus and informing them of the error, I still have this negative information on my record. I have a credit sensitive employment and due to this error my employment could be jeopardized.
Complaint sub-issue: Problem getting your free annual credit report

As of XX/XX/2019, ( this year ) I wanted to work on my credit or at least find out why I had no credit. I applied for the Annual Free Credit Report from Equifax. After answering all their questions, they displayed a notice on the screen saying I could not receive my credit report. I then called the number and talking with multiple people, verified whom I was, once again said I would have to mail my Social Security Card and Driver 's License to them to verify physically I am myself. But, after reading about their neglect and abuse and MANY BREACHES of information, I Honestly do not TRUST THEM ANYMORE with ANY OF MY INFORMATION ON FILE. And how do I know Equifax will NOT LOSE THIS INFORMATION AS WELL. I HONESTLY WISH I COULD JUST WALK IN A PHYSICAL BUILDING, present my ID, Fingerprints, and ANY OTHER FORM OF IDENTIFICATION that they may need or already have on file, but to just blindly keep giving Equifax ALL OF MY INFORMATION, POSSIBLY TO KEEP LOSING, YET, I STILL HAVE NO CREDIT REPORT MAKES NO SENSE. TONIGHT I TRIED AGAIN TO SEE MY CREDIT REPORT, AND ONCE AGAIN, DENIED. 
I have luckily been able to see my XXXX XXXX through XXXX through XXXX   XXXX, and Honestly if they had Not helped me at least with that, I would have given up on trying to fix my credit or even apply for any. 
Personally, I think Equifax is a DISGRACE to our economy.

Many hard working people are trying to fix their credit, yet the one job Equifax has ( well 2 ) # 1 KEEP OUR INFORMATION SAFE and # 2 MAKE THAT INFORMATION AVAILABLE TO THE CONSUMER UNDER FEDERAL LAW.

YET, # 1 My information was NOT KEPT SAFE and # 2 My INFORMATION may or may NOT have been given to a criminal to buy a house, a car, open credit cards and various other criminal acts, but Equifax refuses to help me to solve this issue. Instead, they want me to buy their consumer protection monitoring kit but, still will Not tell me if someone has bought a house, car, ect. IN MY NAME!!!

I Called the police about this, and they said I needed a credit report from Equifax to verify this, to press charges, but here we are again, with Equifax giving me the run around about my credit report.

I have NOT BOUGHT A HOUSE OR CAR LIKE THE QUESTIONS EQUIFAX KEEPS ASKING ME AND THEN TELLING ME, I GOT THE QUESTIONS WRONG, SO I CAN NOT GET MY REPORT. What do i do?? And if EQUIFAX JUST MADE UP THOSE QUESTIONS TO TRY TO TRICK ME INTO THINKING MY INFORMATION WAS HACKED, JUST TO SELL ME A MONITORING PACKAGE, AND IT LEAD TO ME FILING A FALSE POLICE REPORT, WORRIED ME FOR MONTHS, THEN HOW IS THIS LEGAL???
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I mailed a letter to Equifax informing them I was a victim of identity theft. I provided copies of my FTC Identity Theft Report and notarized Identity Theft Affidavit ( including reference to police report filed on XX/XX/XXXX ). I notified Equifax that as a result of the identity theft, fraudulent items were appearing on my credit report : 2 charge-offs reported by XXXX XXXX XXXX. I stated that these derogatory items were not related to any transaction initiated by me. In accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested Equifax to permanently block these charge-offs and collections from my credit report immediately. 

I received a response from Equifax dated XX/XX/XXXX. It was a letter stating " the results of the dispute you recently filed with Equifax are now complete. '' Under the investigation results section, Equifax indicated they had researched both XXXX XXXX XXXX accounts and " verified that this item belongs to you. '' I was alarmed that Equifax had treated the identity theft as a standard dispute, and called them for clarification. Equifax told me that regardless of federal law, their process is to contact the information furnisher ( XXXX ) for " verification '' of the accounts. This is completely unacceptable, and Equifax is in willful noncompliance of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

Equifax had been hacked and I, being a customer who was trying to avoid my identity from being stolen, had my information stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to Equifax and revealed my complaint about not having this vehicle. I requested them to prove the signatures on the contract loan if any. I also see that the company has shifted to another company by the name of XXXX XXXX. I need this item removed from my report immediately. I have included the letter with all the necessary information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Only on my Equifax report -they have my date of birth as XX/XX/1899 as well as my name. In the pass I did have my military id stolen and fraud did appear on all three of the credit reporting agency. I have submitted my driver License online and even online on their website. 

my name is XXXX XXXX XXXX and my date of birth is XX/XX/1978
Complaint sub-issue: Account status incorrect

I recently Ordered a Copy of my credit report and noticed XXXX XXXX XXXX on the report, I do not have any recollection of this alleged Collection account or the company reporting it such I never even heard of this entity, and received no such contact regarding this alleged account i looked up their information in Oregons Secretary of States Business portal I could not find them at all which seems as if they are trying to collect a debt in a state they are not licensed in which would be unethical but not much of a surprise coming from a collection agency. 


Account number - XXXX.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

There are two Unauthorized Transactions on my Coinbase Card. First unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX and the second unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX as well. I never made the purchases with the merchant. Its a scam website. However, Coinbase responded nothing to me after I officially told them those two transactions are unauthorized transactions. Please help me from the financial fraud. Coinbase should take actions to get my money back. However, they are not doing that. Its so bad!!!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - XXXX XXXX
Complaint sub-issue: Account status incorrect

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX will reconsider its position, because I can't see myself doing any more business with them otherwise.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and XXXX. 



Thanks again for your cooperation, XXXX XXXX
Complaint sub-issue: Personal information incorrect

BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Complaint sub-issue: Funds not received from closed account

On Wednesday XX/XX/XXXX my bank account was closed for unknown reasons with CITI bank. They have refused to refund my the {$230000.00} available balance in the account as they can not verify my phone number on public record. The account was open for a year with two phone numbers that were previously able to be used to verify my identity. I have given them every phone number ever associated with my name but still they can not verify my identity or give me an alternative method to receive my funds. I have had a new york lawyer reach out who also was never given a response.
Complaint sub-issue: Problem with product or service terms changing

I used Equifax credit monitoring and I requested a full refund of the fees. My information was not stored securely and I have had personal information stolen in their security breach.
Complaint sub-issue: Information belongs to someone else

I have accounts on my credit file thats due to fraud I contacted the credit breau and nothing hasnt been done
Complaint sub-issue: Problem with rewards from credit card

I received a US bank triple cash sign up offer via mail. It was a XXXX sign up bonus. I fufilled the obligation and now they state that I only get XXXX and dont have any records of the other XXXX dollars.
Complaint sub-issue: Received bad information about your loan

Per the letter dated XX/XX/XXXX received from Great Lakes concerning a previous complaint, it stated that the U.S. dept of Education did not approve my application for a discharge of my student loans. 

On XXXX XXXX, I received an email from the U.S Dept. of Education regarding my XXXX XXXX claim status ( copy attached ). 

On XX/XX/XXXX, I received an email again from the U.S. Dept of Education indicating that I am part of a lawsuit because I have a XXXX XXXX Application # XXXX pending ( copy attached ). 

I therefore find it strange that I was neither notified by Great Lakes nor the U.S Dept of Education that my application was not approved and the reason why. 

I believe this is a tactic of the servicer of my student loans, Great Lakes, to cause me hardship in getting my student loans discharged and frustrating the process.
Complaint sub-issue: Account status incorrect

I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, one payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my credit score. NOTE 2 : I don't authorize XXXX XXXX XXXX to run a XXXX XXXX on my credit score again
Complaint sub-issue: Debt is not yours

EOS CCA XXXX XXXX XXXX XXXX MA XXXX Tel : None Available Alleged balance owed : {$190.00} Original Creditor : XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE 25 HARD INQURIES ON MY EQUIFAX THATS NOT MINE EVERY TIME I CONTACT THEM THEY TELL ME IT WILL BE DELETED IN 24-72 HOURS I BEEN DEALING WITH THIS ISSUE FOR MONTHS ALSO THEY KEEP TELLING ME ABOUT A FTC REPORT AN THEY NEVER SENT I ALL 2020 ALSO I HAVE A ENTERGY BILL ON MY REPORT THEY REMOVE THAT ACCOUNT AND THE 25 INQURIES OF MY OTHER REPORTS ONLY EQUIFAX GIVING ME A HARD TIME IM TRYING TO GET BUSINESS FUNDING LOST EVERYTHING DURING THIS PANDEMIC
Complaint sub-issue: Threatened or suggested your credit would be damaged

I need XXXX to act as arbitrator in this case where the original lender and collection company evade their responsibility, thus damaging the client. Then the response of one ( Mobiloans ) and another ( XXXX )
Complaint sub-issue: Account status incorrect

I have been notify that my account for so over has been close due to not been able to identify me so I called back and complain due to this is been me so they ask me to send in a verification form with notary sign so I did I upload this forms and they called me saying I didnt upload them then I called back I upload them about 100 times and they still saying I didnt even weeks later. I fax my paper work in and discover keeps saying I didnt do this so I mail them in and they keep going in circles I did everything thats possible to make this proof go in. It they keep ignoring me I call 100 times and they keep saying a manager will call u but never get a call back. They also reports a wrong address to my credit report which they are messing with my identity someone that works for them ..
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX  in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.
Complaint sub-issue: Received bad information about your loan

While I was being assured that my student loans were in forbearance two of them went into default. In talking to a Nelnet ( formerly XXXX ) employee I learned how this would happen. 

I 'm told that my student loan could 've been handled at any one of three XXXX locations. When an individual asks for a deferment or forbearance, it is the servicer 's responsibility to " capture '' all of their federal student loans, from all of those locations. 

I was getting letters saying my loans were going to go into default. I called XXXX more than once and was told not to worry my loans were in forbearance and I would soon stop getting the letters. 

That was in the late 1980 's and the debt is huge now and the rest of my student loans are current and I believe they have been for at least 10 years. I work for XXXX XXXX and want to take advantage of the Public Service Worker program. I do n't have much as far as records. Their own records should support this.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I received an email offer related to my Citi/XXXX XXXX XXXX XXXX. The promotion said that if I opened a Citi XXXX XXXX XXXX account and made a deposit into the savings account and left it for a period of time I would earn XXXX XXXX miles. 

The email I received had the terms and conditions in the body of the email, which stated : " ... deposit New to Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn ... bonus miles. '' I chose to deposit {$10000.00} when I opened my account, by clicking the link from the email on XX/XX/XXXX. 

On XX/XX/XXXX I withdrew my {$10000.00} deposit since it had been 60 days since I had made my deposit. Which according to the terms in the email I received should have entitled me to XXXXXXXX XXXX Bonus Miles. I waited several months for to see if the points would post to my account but they never did. 

In XXXX XXXX XXXX I contacted Citi explaining that I thought they had made a mistake in not giving me my award miles. They launched an investigation and that is the first time they sent me a letter stating that the terms of the deal actually were that I had to leave the funds in my account for 90 days. I appealed the decision because no where in the initial terms in the email had it said 90 days, in fact it clearly states 60 days. The appeal listed new terms I had never seen and nowhere was the 60 days reflected as it was in the email, only 90 days was referenced. 

I have appealed this twice more, both times stating that I had a copy of the email that contained the original terms stating that I only needed to leave the funds for 60 days. No one has ever contacted me asking to see the email, they simply restate the letter with the terms I have never seen before that state 90 days. 

I feel like this was a bait and switch on the terms and I am entitled to the miles as I followed the terms as they were outlined in the initial email I signed up on.