Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX  # XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-XXXX  account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I filed a dispute with Equifax. On XX/XX/XXXX I tried to access the online information through the Equifax website. I was presented with security questions that did not apply to me. All of the questions asked about loans or debt I have no knowledge of. I answered " N/A '' to the questions. I was presented with a message that says I was blocked from viewing the information and had to call Equifax to confirm my identity. 

I called Equifax and a customer service representative named XXXX told me there was no way for me to access an online copy of the dispute. They told me my only option was to have the dispute mailed to me in 7-10 business days. 

I submitted my dispute to Equifax online, in. Equifax has the resources to make the information in my dispute available to me for my review. They refused to give me access to the dispute. 

In their privacy document they state : " We have built our reputation on our commitment to deliver reliable information to our customers ( both businesses and consumers ) '' This is a sham. Their service is not reliable. They couldn't even get me online access to a dispute I submitted to them yesterday even though their terms of service say everything must be available online. They push consumers around and beat around the bush when consumers need access to their information. 

In their terms of service they state : " Our Products are internet-based and in order to access Our Products You must have : an internet browser '' But I am not able to access their dispute center online to view my information and they refused to give me access to do this. 

In the FCRA page they state : " You have the right to know what is in your file. '' They denied me my right to have online access to a dispute about my file. They insisted that they mail me a copy of the dispute, but mail is not reliable. This is why I use the internet. A multibillion dollar corporation should be able to figure out how to give consumers online access to their information. Especially if their terms of service require an internet connection and explicitly state the information will be available online. 

On the dispute web page they say I will be able to see the " status of the dispute any time '' but I was not able to view the status and they refused to give me access to my account to view the status. 


The Equifax dispute ID is XXXX. 

FCRA page : https : //www.equifax.com/privacy/fcra/ Privacy Notice Page : https : //www.equifax.com/privacy/ https : //www.equifax.com/privacy/equifax-personal-products/ Dispute web page : https : //www.equifax.com/personal/disputes/
Complaint sub-issue: Old information reappears or never goes away

I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop racism together we have had enough
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXXXXXX XXXX XXXX XXXX account titled XXXX  XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account terms

On XXXX XXXX, XXXX I received an alert from the credit monitoring service that I use advising that a new account had appeared on my Equifax credit report. When I logged in to review the alert I was also informed that Equifax had removed XXXX accounts from my credit report and added the new account. I find it strange that on the same day that I have a new positive account reporting in the amount of {$19000.00} that Equifax would removed XXXX positive accounts bringing my credit score down by XXXX points, this also affected my account age history as well. XXXX - closed account was removed, XXXX XXXX - closed account was removed, XXXX, - closed account was removed, XXXX XXXX Bank - closed account was removed, XXXX - last payment XXXX XXXX was removed, XXXX XXXX Bank - closed account last payment XXXX XXXX was removed, XXXX XXXX - closed account last payment XXXX XXXX was removed. All of these accounts were in good standing and should have not been removed. The removal is an effort by Equifax to keep low credit scores low. This type of behavior has to stop!!!!!!!! I work hard and I pay my bills in an effort to increase my credit score and I should not have to be attached by a company that is suppose to be neutral. I contacted Equifax immediately to discuss the concern. The representative and then the supervisor both told me that no accounts had been removed. I then requested the supervisor to review a report from last week and compare it to the current report. The supervisor advised me that they can only see the current report and not past information. There was also language barriers that made dealing with both representatives difficult. This is another complaint that I have with Equifax, how can you outsource a job to individuals that do not have a full range of English comprehension.
Complaint sub-issue: Information belongs to someone else

Sister information is showing up on my Equifax Report. XXXX 's Social Security Number is  1 digit different from mine which is causing a mix-up. Equifax will not fix this issue. 
No action was taken by the company. Called multiple times submitted disputes, this has been a problem for years and continues to be a problem. 
These are the credit errors XXXX XXXX Mulitple Accounts {$130.00} {$170.00} {$480.00} XXXX XXXX- {$3100.00} XXXX XXXX {$3600.00} XXXX XXXX XXXX- {$21000.00} XXXX XXXX Mulitple accounts {$1600.00} {$820.00} {$790.00} XXXX XXXX- {$110.00}
Complaint sub-issue: Information belongs to someone else

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED
Complaint sub-issue: Problem with personal statement of dispute

Equifax has been report to my credit accounts that my credit score is XXXX in XXXX of 2019 - My credit score has NOT never been that. This false information caused creditor to close and/or reduced my credit with them.
Complaint sub-issue: Information is not mine

I 've sent a valid police report several times to Equifax and they refuse to remove the fraudulent accounts on my credit report. they keep telling me they will not remove anything and that they are contacting the creditors. They automatically keep saying the accounts are valid and will not provide any proof these are vaild. They are indeed not valid!!! I am a XXXX veteran and Equifax is refusing to take any action to correct this situation of ID theft!! I want Equifax to remove these fraud accounts asap!!! Included in the most recent police report are all the fraud accounts listed. I 've been disputing these items for several months now with no avail!! not even with a police report will Equifax do anything!!
Complaint sub-issue: Debt is not yours

I was contacted about a debt owed to an apartment complex I never lived in. I contacted the apartment complex and the manager verified that the debt is not mine. I contacted the collection agency and they were informed by the apartment complex that the debt is not mine but they have not taken the debt off my credit reports and are still trying to collect for it.
Complaint sub-issue: Debt is not yours

I received a call from a woman who claimed to be with XXXX XXXX XXXX. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for XXXX XXXX XXXX. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from first progressive secured credit card. 
I have never heard of first progressive secured credit card, or of XXXX XXXX XXXX. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud
Complaint sub-issue: Information belongs to someone else

I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.
Complaint sub-issue: Debt was paid

a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed information by Equifax has been reaged by changing the date first reported. I have called to let them know and they say that there is nothing that they can do about it. Information reported is also consistently verified as accurate, such as date of first delinquency, though the dates aren't possibly correct when considering other information reported.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. I have have a total of 10 collections on my equifax report and a total of 3 on my XXXX report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.
Complaint sub-issue: Debt is not yours

I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX.  I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.
Complaint sub-issue: Information belongs to someone else

I reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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.
Complaint sub-issue: Account status incorrect

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016
Complaint sub-issue: Company closed your account

I got a large inheritance in 2 parts. One was in XXXX and one was on XX/XX/XXXX. The forst one everything went ok and when i came with the cashiers check this time for XXXX us dollars it was cleared in one day. Which bring me to today. Checked the app in the morning, check was cleared, went to citibank in XXXX florida and when i got to the teller i asked him for 3 cashiers checks so i could transfer money to my other 3 bank accounts and the 3rd small one for my brother to help him out. The first one was for XXXX for my brother and everything was cool. The second was for XXXX in my name for my XXXX XXXX  account and also everything was ok. The 2 cashiers checks were made and i had them in my hand. He was trying to do the 3rd one for XXXX to put in my name for my XXXX XXXX XXXX account and all of a sudden he said im sorry i have to call to get an ok for this one because its large. He made me wait 5 minutes, came back after 20 minutes and took the 2 chevks that were already made out if my hand and said im sorry were closing your account with no other information. I demanded a manager but they wouldn't send one out. This is a citigold account where theyre supposed to treat you better. They said call customer service to get answers. Now im not living in the states full time, i came specially to get this inheritance, i leave back to my country on monday ( 4 days ) now i dont have any access to my money with no warning and no answers. When i called customer service, same thing. No answer, ill get a letter in the mail in XXXX business days but i wont be here. And about the money ( XXXX ) i wont get itbfor up to XXXX business days. I wont be here. This is disgusting behavior. I did nothing fraudulent and have all the paperwork to prove everything. Even had the trustee call but no one will listen, no one will give any answers. Now im stuck with no access to my money or the money i had in the account before this check and no answers. How can they just do that with no warnings??? At least give me my funds so i can live. This is not a few buck and the cashiers check that i depsoited yesterday cleared. Now ill have to waste thousnads of dollars coming back whenever they do releaze the funds and take a loan in order to survive. Both of which i can not do. I have a business to run and am trying to build my credit. THIS IS SO MESSED UP. I NEED ANSWERS. CAN I TAKE A LAWYER???
Complaint sub-issue: Information belongs to someone else

There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from my credit report.
Complaint sub-issue: Frequent or repeated calls

Received multiple notifications by mail and phone. The most recent notification came by mail dated on XX/XX/20. 

Ive written several times and call to stop harassing me and family.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have recently been disputing accounts on my consumer credit report furnished by Equifax. I have informed Equifax that I am not aware of the opening of XXXX XXXX account on my report. I have also informed Equifax that my information was stolen in the XXXX  data breach which what the same year this account was opened. Now after hearing the news of Equifax violating others consumers just like me I have become gravely concerned about the ability of Equifax to continue to report data accurately and completely. I have sent numerous disputes to Equifax over erroneous accounts on my report. When Equifax responds through mail to my disputed accounts they simply send reports stating what has been verified with no description of the procedures they used to verify the account. When I call into the call center I am presented with representatives that do not know the laws of the FCRA. I am left to explain my dispute orally to an agent of Equifax that clearly places Equifax company policy over federal law. Pursuant to 15 USC 1681i ( 7 ) A consumer reporting agency SHALL provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. OnXX/XX/XXXX I mailed into Equifax the attached file/letter requesting my rights pursuant 15 USC 1681i ( 7 ) The 15 days required by law have come and gone. In turn I send out another request for the description of reinvestigation procedures which was also ignored by Equifax. I was then forced to file an identity theft report on the accounts reported by Equifax that I did not initiate. On XX/XX/XXXXI filed an Identity theft report FTC Report Number XXXX claiming the account XXXX XXXX to be the result of identity theft. Bear in mind that pursuant to 15 USC 1681c-2 ( a ) 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 of- I have sent in all proper identification through my CFPB compliant ( XXXX ), I have mailed in those same documents through certified mail return address and I have contacted Equifax orally through phone. I spoke to a representative of Equifax named XXXX # XXXX today XX/XX/XXXX and was told that they never received my identity theft reports and they verify accounts based on information matching, they do not actually do a investigation or a reinvestigation, they just check to see if the information matches mines. This is a complete violation and mocking of the FCRA. So Equifax willfully admits violating the rights of consumers. They way my disputes have been handled is clear and plain to see. Why have my requests been ignored? This is basically just another case of Equifaxs disregard for consumers,
Complaint sub-issue: Debt is not mine

This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I utilize XXXX to stay updated with my credit score. Recently two reports have been listed in my equifax and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both equifax and XXXX which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.