Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

My husband and I cancelled our credit report freeze on Monday, XX/XX/XXXX with Equifax.

As of close of business last night, Thursday XX/XX/XXXX our credit reports remain locked and frozen. XXXX XXXX XXXX has been trying for 3 days to pull our scores and only get a locked message. 

When we call Equifax Credit Freeze Dept at XXXX we get sent to someone with a barely understandable accent who only repeats that our credit is unlocked, and there is no one else to talk to. 

When we ask for an email to prove they have unlocked our credit scores, so that XXXX XXXX XXXX can contact their Business Dept with proof they will not provide it. 

XXXX XXXX XXXX has been told by Equifax Business Dept that they can no nothing unless there is proof from US the consumer that EQUIFAX has unlocked our credit score! And Equifax will only MAIL in 7-10 days a statement saying it has been unlocked.

This is completely obnoxious, and offensive that they block and then refuse to assist without proof that THEY won't provide in a timely manner. 

We stand to lose out on purchasing a business property because of this delay and terrible lack of service. 

Doesn't ANYONE oversee Equifax? 

There is no PROOF of their complete lack of service since they refuse to give any without a 7-10 day mailing period.
Complaint sub-issue: Personal information incorrect

I applied to a rental company on XX/XX/XXXX named PMI XXXX. I was denied the rental because via my tenant screening report my DOB and SSN did not match according to my Equifax report. I checked and pulled my full report upon receiving my copy from the company and indeed my DOB is wrong. I need my personal information updated, I have placed a freeze on my credit report via Equifax and need to report fraud on the individual whom birthdate is presented as mine on my Equifax personal account.
Complaint sub-issue: Account status incorrect

My husband and I had a lease with Ally from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. Ally started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. Ally fixed the errors on all the Reports except for my XXXX where it is still Collection/Chargeoff and is hurting my credit dearly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been with Citi for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified Equifax two times about an incorrect reporting from XXXX. I attempted to close my account and XXXX refused to stop billing me initially which inflated the balance falsely. I do not understand how they can bully me and take advantage of the fact that I am powerless in the situation. Them simply saying " this is what happend so just deal with it '' is NOT a valid response and should be illegal. This is bogus and I am losing out on opportunities to advance in life because of this false information!
Complaint sub-issue: Information belongs to someone else

I have already informed you that the listed items from the letter I sent was inaccurate and incorrect. I feel I was betrayed that after your investigation the items are still showing on my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607
Complaint sub-issue: Information belongs to someone else

The inquires on this report are in correct and in direct violation of USC 1692G & USC 1692J : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Complaint sub-issue: Other problem getting your report or credit score

Lexis Nexis does not gove the ability to give me a free report, i need to send a form, i can not call them, we have spoken previously and she remembered my name? That is so wierd. I just need my report. Because i need to see what is on there and who, why, where, when and how certain companies can reserve the right to exclude informatio. To XXXX, XXXX, and XXXX, i dont have stamp money. I dont have money for a fax, and if i call and she remember me, i will be ashamed.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Complaint sub-issue: Reinserted previously deleted info

Equifax have re-inserted an Item that was deleted almost a year ago. per FRCA,  the CB 's  did not inform me within the 5 days of re-insertion.
Complaint sub-issue: Account status incorrect

On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my Equifax report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.
Complaint sub-issue: Information belongs to someone else

In 2014 i was a victim of identity theft and this was reported to the credit reporting agencies as well as other creditors. However, this account XXXX XXXX was removed from my report but somehow reinserted a year later without warning nor proof of their Method of Verification when it comes to this particular account. I'm demanding that the credit reporting agencies block and remove this account ( 1 ) XXXX XXXX, or provide me with signed documentation of my persons or a contract consenting to the above matter. If this request can not be met then you the credit bureaus should delete account immediately.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I called US Bank to dispute charges on a non stolen debit card from the dates of XX/XX/XXXX - XX/XX/XXXX the total amount stolen was XXXX through a XXXX XXXX account. The bank gave me provisional credits which it later revoked totalling XXXX. Not only is the amount revoked higher than the original complaint but they also refused to give me my money back which was clearly frauded and verified through XXXX XXXX
Complaint sub-issue: Debt is not yours

I am filing this complaint to remove inaccuracies from my credit report with Equifax.
Complaint sub-issue: Old information reappears or never goes away

FOLLOW UP TO PREVIOUS DISPUTE I am still waiting upon a resolution and a response from Equifax regarding a strange " loan '' appearing on my credit report labeled XXXX XXXX account number is XXXX .... 
This is an unfamiliar account which I have been disputing with just Equifax and I have had zero response since my initial dispute from my letter sent out in XXXX and then challenged the account again here on the CFPB portal in XXXX because I am concerned about my student debt rates that will be affected by this inaccurate account. No remarks have been placed on the account that this item is being disputed by the bureau, no information is available from Equifax or any monitoring company regarding who and what this account is in reference for and to whom I may contact for verification. 

I have never held an account with XXXXXXXX XXXX and I am not even sure what a Loan is from XXXX XXXX. Without validation, contact information or proper month to month status information how is this being reported towards my credit? This certainly was not verified and I feel as though a dispute was never entered because none is indicated nor have I received mail regarding the results or whom to contact. Please remove the account permanently. I don't understand why I am waiting so long for a resolution here. good XXXX it has been 3 months and I have no resolution and I keep being told to wait on a response ....
Complaint sub-issue: Attempted to collect wrong amount

Through the year that Harvey hit XXXX the company has had problems with their phones and communication at one point they were posed to be delivering me a replacement phone but it got lost in the mail and I was held they made me on countless times lose money and harassed me try to so party that put me in that position when I could not get the help that I need from them with their bad communication but want to turn around and asked me to pay for their mistakes
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a Citibank Home Depot card/service.

I have immediately contacted Citibank to dispute the inquiry and they directed me to contact XXXX to dispute it. 
I have contacted XXXX and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact XXXX today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without Citibank sending them a letter saying that they agree to remove the inquiry. 

I have called Citibank to request that they will do that and they said that the only way for them to help is if XXXX will contact them directly to request this information. 
I called XXXX again and they said that they don't contact anyone, " the only hold information ''. I called Citibank again to let them know that XXXX don't contact anyone and that I need them to contact XXXX or send me something that I can then transfer to XXXX  and they said they won't do it and the only way that it works is if XXXX  will contact them. 

Citibank agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at XXXX and 5 different reps at Citibank to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.
Complaint sub-issue: Information belongs to someone else

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Threatened or suggested your credit would be damaged

Recieved a debt collection letter dated XXXX claiming I owe $ XXXX XXXX XXXX. I have no knowledge of this company nor have they tried to reach out to me in any way. File XXXX Claim # XXXX. I am not liable for anything to XXXX XXXX or AFNI. I have never heard of this company XXXX XXXX and there is no loss data included in this letter.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} DPT ED/XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court
Complaint sub-issue: Account status incorrect

I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Complaint sub-issue: Problem with customer service

Recently, I payed the balance in full on the account over the phone with a debit card to bring the account current. I asked the amazing and respectful lady over the phone to transfer me to an agent after she was done processing the payment. I eventually was transferred over to " XXXX ''. This is the same individual I've made multiple complaints on in the past. I immediately told him that I did not wish to speak with him because I don't like him and I don't trust him, and he does not know how to treat customers over the phone. He became super defensive and ego-driven and started trying to intimidate me. I asked him to transfer me to a different agent several times, to which he refused citing that that wasn't an option. He then hung up after I called him some foul names due to his terrible demeanor and inability to handle or escalate matters for Consumers. I called back and submitted another complaint against the individual and also was able to confirm from the different agent that XXXX lied about being incapable of transferring me to a different agent. XXXX also stated over the phone that he had been " closely monitoring my account '' since I made the first complaint against him, which I told him is deeply concerning. I then sent an email to Mr. XXXX explaining the above and also included Mr. XXXX 's office. I then reached out to a law firm and gave them the details of all of this.
Complaint sub-issue: Information belongs to someone else

I do not feel that Equiant is accurately reporting information on my behalf to the credit bureaus. Equiant and the original creditor XXXX XXXX are in violation of the FCRA by failing to adequately explain and or verify the debt that they are reporting. I will be seeking statutory damages under the FCRA in the amount of up to {$1000.00} for each violation. I have signed no type of mortage agreement binding me to this company so please remove this immediately from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.
Complaint sub-issue: Investigation took more than 30 days

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Complaint sub-issue: Account status

Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted
Complaint sub-issue: Information belongs to someone else

On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax. No contact information has been reported by this creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

Equifax REFUSES TO SUBMIT POLICE REPORT AS A PART OF THEIR INVESTIGATION WHEN COMMUNICATING WITH CREDITORTS. THE ACCOUNTS LISTED BELOW ARE FRAUD AND I AM A VICTIM OF IDENTIFY THEFT. MY NEXT STEP WILL BE TO FILE A CLAIM AGAINST EQUIFAX UNDER THE STATURES OF LAWS IN THE STATE OF VIRGINIA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX Date : XXXX ACCOUNTS OPENED FRAUDULENTLY To Whom it may concern : Im officially disputing accounts ( below ) opened in my name due to fraud and identify theft. An unknown suspect ( s ) used my social security number and other personal information to open credit cards, obtain car loans, lines of credit, un-authorized inquiries, and other accounts without my consent or authorization fraudulently. Below are the accounts that were opened due to Identify Theft and without my consent. Please remove these accounts from my credit profile Expeditiously and Immediate. 

Creditor ( s ) Date opened Acct # Reason ( s ) XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently
Complaint sub-issue: Account status incorrect

I have filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is