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

Equifax requires the following items to get a credit report and it discriminates against the elderly and retirees. 
Identity Requirements Social Security card Pay stub with Social Security Number XXXX form Address Requirements Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) I am retired and do not work and do not drive. I do not own a home or property or pay rent and can not meet the address requirements. I have banking accounts that I receive at the address I reside at.
I can not obtain a free credit report from them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month
Complaint sub-issue: Information belongs to someone else

I am so surprised to see fraud misleading information in my credit report. Like I have inquires that I have never made. I do not recognize them but why do I have them? 

I feel like its a fraud and I filed identity theft report. Could you please check my credit report. For sure you will see there account and inquiries please investigate them and I hope you will remove them as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute for them to verify my information. They never verified my information. They said they verified but I was never notified or mailed any info on how it was verified. They had updated the account. I do not know what they updated. 
I demanded to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) They got a file of the account. There failure to positively verify that account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove it!
Complaint sub-issue: Problem with customer service

I have attempted over the past week to set up auto payments with the loan servicer ( MOHELA ) in order to make payments. There has been issues with successfully making payments ( I was told it was that the financial institution rejected the payment ) and I have used MOHELA 's secure messaging system to figure out a solution. Through messaging and providing as much detail as possible I have attempted to fix the problem and make payments ; however, the response from MOHELA has been extremely underwhelming and the replies have not provided any information on how to fix the problem. The responses have appeared to be stock responses and have not been helpful at all nor addressed any of the questions I asked. Very disappointed with the quality of costumer service..
Complaint sub-issue: Problem with personal statement of dispute

After speaking with collection mgr at Kashable, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems Kashable has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!
Complaint sub-issue: Account status incorrect

The company is reporting an account XXXX  XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with XXXX  on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.
Complaint sub-issue: Right to dispute notice not received

I was living with a friend and moved out they where notify and the cables still continued to be on there for it became a huge bill. Never received anything about tell I checked my credit score
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a US Bank debit card purportedly related to unemployment benefits in Colorado. Clearly, and for many reasons, this card is not for me. However, it is equally clear that US Bank or an organization they " partner with '' and " profit from '' has my personal information which caused this card to be issued. US Bank provides phone numbers to call which are unattended or otherwise impossible to reach a human to resolve this. I traveled t a US Bank facility. Even the manager there was powerless to do anything except provide a list of activities I would be " required '' to do that would take many hours ( police report, credit bureau notices, creditor notices, etc. etc. etc. ) I find this incredibly arrogant and condescending. I have done NOTHING to cause this fraud. US Bank or their affiliates have precipitated fraud or made errors, and yet they take no responsibility and accept no accountability for doing ANYTHING. This is simply not right. Why should the victim of US Bank 's fraud or incompetence be the one burdened with correcting THEIR improper actions?
Complaint sub-issue: Investigation took more than 30 days

There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.
Complaint sub-issue: Debt is not yours

I disputed an account ( VANCE AND HAUFFMAN LLC ) in the amount of {$690.00} in which was removed from my credit. They put it back on my credit after it was once taken off.
Complaint sub-issue: Account information incorrect

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found four items on the report that are inaccurate and the account in question is ... ... 
Please advise why that in the year of 2015 why this account was reported as 30 days past due from XXXX XXXX for four consecutive months? Also, if you reported that payments were late four times how is the payment history of 92 % accurate. Please see my calculations.35 payments- 4 late payments=31/35=88 % Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system but send me copies of the documents that you have in your files that were used to verify this information. 
If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete the negative payment remarks immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed above within 30 days of receipt of this letter then you must remove the negative information from my credit report and at this time I am requesting that all NEGATIVE PAYMENTS BE REMEOVED FROM THE TRADE LINE. I REPEAT AGAIN, DO NOT REMOVE THE TRADELINE ONLY THE NEGATIVE REMARKS! In addition, please provide me with a copy of an updated and corrected credit report showing these items removed with an updated payment on time percentage changed to 100 %.
Complaint sub-issue: Information belongs to someone else

Hello my name XXXX XXXX I have few inquiries that caught my attention This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXXXXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - Date XXXX XXXXXXXX XXXX  XXXX NA - Date XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Complaint sub-issue: Information belongs to someone else

I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not deleted these unauthorized inquires from my credit report. They sent me a response saying " inquiries are a matter of fact ... .. '' but they still DID NOT show me where I signed any consent at all. I DID NOT AUTHORIZE these inquiries and there was no investigation done at all. On behalf of the Equifax breach, I STRONGLY wish to have these inquiries deleted because THEY ARE NOT MINE. They did not even delete an inquiry in which the creditor themselves sadi they submitted to them that it should be deleted. I have tried calling Equifax 's phone number and it hangs up on me every single time. They are purposely not answering their phones to correct their own negligence involving this data breach. I want these inquiries removed promptly.
Complaint sub-issue: Information is not mine

I have asked Equifax to remove and block, as XXXX and XXXX have done several fraudulent accounts that the creditors themselves have asked removed. This includes, XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX, and I also asked to be removed as an authorized user from any and all accounts, I am not responsible for any such amounts owed or for the status. I also have nearly XXXX inquiries. Equifax responded to my VALID Police Report, with an attached WARRANT FOR ARREST of the individual who did this, along with the FTC ID Theft complaint and the Privacy Clearinghouse report. I also contacted the XXXX Oklahoma who said I have a right to file state action against Equifax. I followed all proper procedure regarding the Blocking of fraud under sworn penalty of perjury to officer XXXX XXXX of XXXX XXXX XXXX office who signed and verified each account. I have given them more then enough and what really irks me is that XXXX, XXXX XXXX, XXXX and XXXX all requested that the accounts be removed. This is why XXXX and XXXX removed said accounts. I have supplied Equifax on XXXX XXXX the same information and police reports along with other relevant facts and statements from the creditors. They responded with " We will not block any of the information '' without explaining the reasoning for this? How can XXXX reporting agencies do the obvious and Equifax feel it is exempt from such requirement. Additionally as the XXXX OK explained Equifax has refused to place a security freeze on my account for free as required when the individual states ID Theft and has supplied the police report and FTC form. Both which i HAVE DONE 4 times. As requested prior on regards to the FOIA request caught on Equifax not complying with the Fair and Accurate Credit Transaction Act blocking procedure, I will be forced as will an attorney from XXXX to get such FOIA documents. I believe Equifax has caused harm against a class of individuals such as myself. I am in the process of retaining a lawyer if this is not dealt with. The antithetical part is that it arbitrarily decided to initiate a dispute against all my positive accounts i never disputed and are legitimately mine. Not the Fraudulent ones, this makes absolutely no logical sense. This seems almost retaliatory and capricious in nature.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry : Credco on XX/XX/2019 Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Information is missing that should be on the report

Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX  dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.
Complaint sub-issue: Account status incorrect

Issue XXXX. XXXX XXXX mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for XXXX months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue XXXX. I paid the requested mortgage sum amount as personally directed by XXXX XXXX upon completing XXXX months of forbearance and it sat in the XXXX XXXX  account, labeled by XXXX XXXX as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

XXXX XXXX has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / XXXX XXXX credit report. When I called XXXX XXXX on XX/XX/XXXX about these XXXX credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the XXXX error reports on our mortgage account credit history. 

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

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX , XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Complaint sub-issue: Public record

I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged by a company in XX/XX/XXXX that should have never had my card. They ran the card 3 times. I disputed what I thought was all 3 charges on XX/XX/XXXX and 2 of the 3 we're resolved and credited back XX/XX/XXXX. On XX/XX/XXXXI called in to check on the 3rd charge and was informed that it wasn't disputed so they put in the dispute in XX/XX/XXXX for a charge of {$180.00}. This charge has still not been resolved as of XX/XX/XXXX. I call in every month because I am getting charged interest on this dispute and I'm being told that someone is escalating my account and that they need 3 to 5 business days. I get transferred around and put on hold and still don't have my money back or the interest I have been charged. 60+ days on a dispute is horrible customer service.
Complaint sub-issue: Received bad information about your loan

Over the past 2 years, I have tried to get a correct number count for public service loan forgiveness ( PSLF ). I first called on XX/XX/XXXX because my PSLF numbers were not correct. This was not correctly input into the system after my call so when I called again on XX/XX/XXXX they proceeded to place it in correctly. I have called multiple times and there is no timeline to get my numbers correctly placed though administrators are able to see " correct '' vs " incorrect '' payment months each time I call. 

One month ago, my loan " split '' for no reason. I had two loans with FedLoan and it then became three. I never asked for my loans to " split '' but it happened. After doing that, I lost ALL my PSLF payments ( before I had some payments, just not the correct count. ) I have contacted the company multiple times but they just keep saying there is no timeline and they will mail me my info when it is done. I believe 2 years is an extremely unreasonable amount of time to wait to get correct information which administrators are able to see immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

15 USC 1681 ( a ) - You are in violation of my right to privacy and information I want to be private that's posted on my consumer report is a violation infringed upon my right of privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

The 3 credit bureaus are reporting incorrect information on my credit report, XXXX, Equifax, and XXXX. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.