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

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX verification, and do not consent to XXXX being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Complaint sub-issue: Debt was paid

I had a unsecured loan with XXXX XXXX XXXX XXXX. It was charged off and sold to Jefferson capital systems llc. We worked out an agreed upon settlement to pay off the debt. I reached out to XXXX to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to Jefferson capital. Jefferson capital said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
Complaint sub-issue: Account status incorrect

Citi XXXX XXXX XXXX/XXXX Account number XXXX. I have disputed this multiply times. They change it to something else every time. I have a chapter XXXX discharge in XX/XX/2016. This account is still saying account status charge off. They never fix it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  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 a account without my written instruction
Complaint sub-issue: Personal information incorrect

Placed a dispute request with Clarity Services in reference to inaccurate personal information and   unknown account ( s ) on my report.
Waiting for response from Clarity Services!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Due to COVID 19, my XXXX  and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are XXXX XXXX and Citibank. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.
Complaint sub-issue: Company closed your account

I had XXXX  in XXXX and called citi card they said not to worry they approved me to defer all minimum payments and balances for 3 months then I received a letter in the mail stated my account was closed. I have called multiple times and they refuse to reopen the account or remove the reporting from my credit bureaus.
Complaint sub-issue: Application denied

On XXXX XXXX I reported unauthorized transactions on my credit card account number ending in XXXX with XXXX XXXX XXXX Per usual they advised me that they cancelled the card and entered a request to dispute charges. I declined to getting a replacement card sent because the card was initially stolen from my mailbox when Citibank mailed me a card that was already activated making it easier for someone to use the card. After a week and half of not hearing back from Citibank I decided to give them a call and follow up on the claims, and also on a credit alert that I had received regarding the account, only to be told that the claims were never inputed, they also pressured me into getting a card deliver by giving me the option of sending the card to a different address or sending it to my address on file but this time instead of sending it pre-activated that they would send it not activated, so I said yes and regarding the credit alert I told them the alert said I had closed the account. They advised me that it was because the old credit card account was closed but a new one was open for which they were getting ready to send me a card. I even received emails regarding the replacement card being on its way, and to notify authorized users that the account number had changed. Again they advised me to wait for the card in the mail. 

A few days later, I heard back from the claims that they were honored and the charges were reimbursed. However, two weeks went by and I had n't receive the card so I started getting worry thinking maybe it was stolen again. Therefore, I got on the phone with Citibank to find out that there was never a card being send to me because the account was actually closed off and that if I needed to reopen the account that they needed to pull my credit and caused me an inquiry on my report. 

Not only did Citibank closed my account improperly, the employee during my second call around this incident lied to me or gave me false information when she " reassured me '' that the account was n't closed and that the cards were on its way. This card was also one of my oldest credit cards and having the credit history of this account removed from my credit has affected me terribly. This mistake by Citibank and its employees cost me a declined in credit score. Citibank refused to open the card unless I gave them authorization to pull my credit which I opposed to because that would only affect my credit even more and it was one of their employees that made a mistake, I never requested for the account to be close. In fact, if conversations are really recorded you will find proof in my initial conversation with the bank that I was not requesting the account to be closed, because the representative did you that terminology. Therefore, to clarify, I stated that I was requesting for the card to be cancelled and not the actual credit card account and the individual seemed to understand. 

Citibank refuses to take any responsibility for the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I have loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Complaint sub-issue: Threatened or suggested your credit would be damaged

I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's  harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!
Complaint sub-issue: Threatened to sue you for very old debt

I had a car financed thru first investors that got stolen and I was told I had a balance left. I had gap insurance and on my credit report it was charged off and paid in full. Then a company call Autovest.llc. Bought it and is trying to garnish my wages when I never had debt with them. I informed them it agains the law to do that but went to another county in oHio and went to court without me knowing with falsified paperwork and claim I owe them money.
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/2012 {$4000.00}, The company is trying to collect an OLD debt in which a VOLUNTARY repossession occurred. They would not allow me to Refinance which left me stuck paying on a car that has no function. I have XXXX small kids and I felt they tried to get over on me. They In turn tried to take the money out of a Bank account that I no longer have. This in turn is causing a lawsuit with that bank. I did not give them authorization to do that. I do not owe this debt
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Applied to open new account with Bestbuy and I XXXX XXXX requested information pursuing a new application detailing the credit bureau that you requested verification of my information that you/Citibank said that you was/were unable to verify. 

Upon telephone conversation XXXX XXXX reference file number above ) you/Citibank on XXXX that XX/XX/XXXX would or could not verify my information but in your/citibank XXXX notice, no credit bureau/contact was/were listed in your FRCA notice for me to contact or pursue legal remedies. 

I spoke to your/Citibank representative, they could only tell that you/Citibank ran an inquiry though XX/XX/XXXX and that you/Citibank would/could not send me any notice of your credit bureau contact and only listed you/citibank as the contact person for credit bureau contact. ( See attached XXXX notice ). 

Uon asking for a supervisor, I was transferred to some named XXXX out of Texas and was told the same and they disconnected my call.
Complaint sub-issue: Their investigation did not fix an error on your report

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

I reserved a car on XX/XX/XXXX at XXXX to be picked up on XX/XX/XXXX I paid nothing and only gave them my drivers license .Never signed anything or gave them my SS # I picked up the car on XX/XX/XXXX at which time I was given a receipt for the amount put on my credit card.I was then shown a tablet and asked to initial XXXX : insurance and dogs. I was NEVER at any time given the entire lease agreement nor again did I give any XXXX my SS # After I had signed I was emailed the statement but had to search for the terms and agreement, again this was not discussed or shown at the time of pickup. 
I was notified by credit monitoring that XXXX pulled a credit report on XX/XX/XXXX ( when I reserved the car ) and again on XXXX when I picked up the car. 
Again I never gave them my ss # nor was I given or did I sign or read the lease provisions at any time while at the location.. 
I want XXXX of those requests taken off my credit report as they had no right to pull a credit report prior to me actually signing for that car. 
That makes XXXX dings to my credit report
Complaint sub-issue: Information belongs to someone else

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Complaint sub-issue: Can't close your account

i left my card at a grocery store.the store threw it away or someone pick it up and threw it away .i reported to citi bank card abt the loss and to receive a new card.they refuse to send me the paper for the card/they lied they were sending the form.it been 3 weeks since I first ask.then 4 days ago another customer service said she be sending me the form for a new card..i said NO.they lied to me to begin with..they been sending me text to an old phone NOT my phone now.even tho I told them I have only ONE cell phone.they refuse to send the text to my phone.they refuse to close my account.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

Two or three weeks ago I reached out to my student loan provider to get my Master Promissory Note ( MPN ). I asked for this because I belong to a small group of FFEL loan holders who, for years, have been unable to separate loans from spouses/ex-spouses, consolidate their student loans into direct loans and apply for the Public Student Loan Forgiveness ( PSLF ). 

However, the good news is that Congress recently passed legislation XXXX XXXX XXXX XXXX ) that will enable me to separate my loan from my ex-husband 's loan amount and finally consolidate my student loan into a direct loan to apply for PSLF. 

First, however, I need my MPN to determine which portion is mine. 

I hope that you can help me obtain my MPN from my student loan company.
Complaint sub-issue: Reporting company used your report improperly

In XXXX with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX XXXX violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An inquiry was made to Equifax by the XXXX ( XXXX XXXX XXXX ) on XXXX XXXX, 2017. I did not authorize this inquiry and have no idea as to why it was made. I am fearful that this could be an attemped ID theft as I have not applied for any new loans or authorized anyone to access my credit record. I would like this hard inquiry removed from Equifax.
Complaint sub-issue: Information belongs to someone else

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Complaint sub-issue: Information is not mine

My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.