Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX or XXXX th I received an email from XXXX XXXX that there was a hard inquiry on my report. It was XXXX. Since I did not contact the company to order their service I put off disputing the inquiry with Equifax till the weekend. The next night I receive a large box addressed to my maiden name I havent used in 18 years. It contained XXXX equipment. I immediately contacted XXXX and for the next two days was bounced between customer service reps, their supervisors and fraud. No one helped me at all or directed me how to fix the problem. By that Saturday morning I realized not only did I have equipment I didnt want but I also had a account with {$120.00} of charges this person signed me up for for two years. With absolutely no assistance from XXXX I notified XXXX so at least there could be a paper trail of  this. I filed a report last night online with identity theft.org ref # XXXX. I also put a freeze on Equifax running my credit. I will have to dispute the hard inquiry on Equifax as well. I am working 2 jobs so finding time to do all of this is hard yet important.
Complaint sub-issue: Account information incorrect

The credit bureaus are reporting inaccurate information on my credit reports.
Complaint sub-issue: Inadequate help over the phone

There is a state of Georgia tax lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Georgia state tax lien release forms ( which I also have attached here for your review ). I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRA 's ( XXXX & XXXX XXXX ) removed the lien from my credit report immediately
Complaint sub-issue: Account information incorrect

I did not consent to, authorize nor benefit from the following account : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This XXXX XXXX Account has been closed for two years, XX/XX/XXXX. Then, XXXX XXXX XXXX XXXX created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed XXXX XXXX to change the account number and retain the same false information to the original fraudulent account. XXXX XXXX changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. XXXX XXXX never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

XXXX XXXX and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Complaint sub-issue: Public record information inaccurate

I recently filed a complaint against XXXX  regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by LexisNexis Risk solution. I provided a letter from LexisNexis stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called XXXX  and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a LexisNexis Rep that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with XXXX  I asked if they could call and confirm with LexisNexis with me on the phone. I was told no and hung up on. It seems as if XXXX  is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my LexisNexis profile ( your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

my.equifax.com online dispute center is reporting error : " System temporarily Unavailable We are sorry, our online system is unavailable at the moment. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX until XXXX XXXX  EST, seven days a week so that we can help. '' Upon contacting their customer service I was unable to get any information or help with this issue. 

The site has been down since I attempted to submit a dispute 3 days ago and again 2 days ago. 

This dispute center appears to have been down for several days and I have no mechanism to dispute the numerous inaccuracies on my equifax report ( I do not have this issue with XXXX who has since corrected many of these issues )
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have contacted XXXX XXXX in regards to a Student loan that has defaulted agreed to enter the Rehabilitation Program with a payment of {$58.00} a month due by the XX/XX/XXXX of each month ; however, my wages have been garnished from my place of employment either way. I do not understand why this is happening. I received a letter in the mail dated XX/XX/2018 stating : You must make at least nine ( 9 ) monthly payments during a ten ( 10 ) consecutive month period in the amount of {$58.00} due on the XX/XX/XXXX of each month as agreed to between you and XXXX  under the established repayment agreement. Under the rehabilitation program, the full payment amount agreed to must be received within 20 days of the payment due date. A payment made more than 20 days before or after the due date will be credited to your outstanding balance but may not count toward the rehabilitation program. This may delay completion of the program or require you to start the program over. I did receive a letter in regards to a garnishment to begin XX/XX/2018 if I did not contact or settle into agreement of repaying my student loan ; however, I did contact the company prior to that date and settle to enter into the Rehabilitation program. I did pay my payment of {$58.00} in two payments : a payment of {$46.00} on Saturday XX/XX/2018 and {$20.00} on Thursday XX/XX/2018 well within the 20 days as stated. I log onto my online account see the payment of the {$66.00} but I do not see my wage garnishment of {$200.00} applied at all to my account. I spoke to a XXXX in regards to this issue twice and asked if my account is placed on wage garnishment why does it state online " Your good faith payment of {$58.00} is due by XX/XX/18? She said that is incorrect and should have taken a couple of days to come off my online account since the garnishment was put into place from XX/XX/18 ; I told her a couple of days we are now XX/XX/2018 that is more than a couple of days and she said there is nothing she could do to help and the garnishment will not be cancelled. I told her so my online account information is incorrect which is deceiving and a lie. It should not show that I am on a rehabilitation payment and still get my wages garnished at the same time. How is it that I paid my Rehabilitation payment well withing the 20 days as stated on the letter and had my wages garnished of {$200.00} but yet that garnishment is nowhere to be seen applied to my account. I feel that this company is not for the people or in any way to help the people. I mentioned to XXXX how unfair is that and I have other loans with the XXXX that have been put on a payment plan/IBR and she told me we have no affiliation with XXXX. Please help to stop this ; I am scheduled to give double payment by paying the Good Faith of {$58.00} and have my wages garnished? I spoke with a XXXX twice with no help at all ; I did receive one phone call from a supervisor by the name of XXXX  whom left a message so I did return the phone call and have left 3 messages with no return phone call.
Complaint sub-issue: Account status

Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.
Complaint sub-issue: Public record information inaccurate

I requested my CoreLogic credit report XX/XX/XXXX. I received the wrong credit report on XX/XX/XXXX. I reached out to CoreLogic to let them know they sent the incorrect XXXX credit report. On XX/XX/XXXX I received my XXXX credit report. I seen some items I didn't agree with so I started a dispute. In there letter they mentioned if a consumer shall find any inaccuracy that the agency shall conduct a reasonable investigation. I found that hard to believe. I never received any validation with my signature on it which I asked for on XX/XX/XXXX for validation. Corelogic responded back on XX/XX/XXXX stated it was verified, still no copy with my signature. I wrote back on XX/XX/XXXX asking again. CoreLogic responded back on XX/XX/XXXX stating that they already verified and I need to contact the creditor to confirm validation. Why would I contact the creditor, Corelogic is the one reporting the inaccuracy on my credit report? Then XX/XX/XXXX CoreLogic suggested again that I need to check with the creditor. If CoreLogic doesn't have validation ( signed contract ) with my signature on it, they need to remove/delete inaccurate information reporting. They then tell me in the meantime they have open a dispute on my behave. I find coreLogic in violation of my consumer rights and I like to seek relief and recover all monetary damages that I maybe entitled to section 617,616
Complaint sub-issue: Account status incorrect

I bought a home via usbank home mortgage and was forclosed and the last report from them was XX/XX/XXXX. Well after 3 years and building credit back up we started the home buying process and had credit pulled in XXXX. At that time things were good, but needed to work on some things until we could move further. Finally Monday XX/XX/XXXX my credit was pulled and we got denied because all of a sudden us bank reported that I was over 120 late in XXXX and XX/XX/XXXX. From XXXX til now USBank decided that a closed account was late and sent my score down and halted everything I have worked so hard to accomplish. I called them and they said they wouldn't have done that. This should be illegal and now because of them I have to wait up to another month living in a 2br apartment with 4 people. They are ruining my life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # 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 instructions.
Complaint sub-issue: Account terms

To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has violated my privacy rights according 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 a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account Audi Financial account number 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.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with Equifax and also contacted XXXX XXXX XXXX. XXXX XXXX XXXX replied to Equifax that the payment history/prior reporting is accurate. 

I called XXXX XXXXXXXX XXXX 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has negligently failed to report my credit accurately or report information provided to them creditors by : 1 ) failing to delete the record of default as instructed by the department of education rehabilitation services 2 ) overstating the total debt listed on my credit report by doubling my total federal student loan debt 3 ) failing to fix a problem created internal to equifax despite the creditor reporting the correct information to equifax 4 ) failing to have a procedure in place to confirm that the information reported to them by the servicer or creditor matches what they are reporting as per my credit report and factored unto my credit score 5 ) failing to fix a problem that equifax caused internally and instead treating the problem as a dispute with a creditor instead of as a complaint directed specifically at equifax 6 ) training or allowing multiple agents to lie or facilitate lying on the phone as evidenced by multiple agents of equifax denying that equifax committed an error despite admitting such errors prior to denying them 7 ) double reporting 8 federal student loans as 16 or more separate federal student loans 8 ) failing to correct the drop in my credit score attributed to their errors including but not limited to misclassifying open loans as closed and failing to delete the record of default on rehabilitated federal student loans despite being directed and provided proof of such by the servicer a month prior to my score dropping by 58 points ( equifax score only ) 9 ) failure to reconcile federal student loans as being one in the same loan simply because the account number changed when the servicer changed despite easily being able to identify each duplicated loan as the loan amount is the limit amount and date of the loan being the date reported being the date the loan was issued or first reported The above problems were not handled, present, or encountered with regards to XXXX or XXXX. These were specific to Equifax which has still failed to compensate me for the 2017 breach.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXXhas 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 instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all 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
Complaint sub-issue: Information belongs to someone else

XXXX is reporting I have an account with them and I have never had an account with them. 

Citicard Cbna has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.