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

I have sent 4 letters to Equifax attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. Equifax and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Complaint sub-issue: Their investigation did not fix an error on your report

Requested removal of negative item from report. I sent in proof that i was no longer responsible. They sent a letter saying deleted. Then they put it back on. I sent another letter with supporting documents, and they said verified. And refused to remove. The letter is from the collection agency. ( Letter is attached )
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

These 7 accounts ( attached ) were first opened in the XXXX 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX College, XXXX XXXX College and XXXX College.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I need help with a dispute that I sent on XX/XX/2021 regarding some inaccurate things on my credit report. It has been almost 45 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX h

as 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: Personal information incorrect

My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Having problems with customer service

I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Complaint sub-issue: Public record

I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The account LENDING CLUB CORP is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Complaint sub-issue: Account information incorrect

I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at XXXX point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Complaint sub-issue: Information belongs to someone else

I have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and XXXX. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with DYCK O'Neal. I tried disputing this with XXXX   again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. Dyck O'Neal is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. XXXX  refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.
Complaint sub-issue: Their investigation did not fix an error on your report

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX XXXX  that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft, reports filed. I submitted FCRA reports to each credit reporting agency in XX/XX/2019 and XX/XX/2019. 
XXXX and XXXX have removed the fraudulent account. Equifax has not removed the account after receiving the documentation for months ago. 

Listed below is the referenced account : XXXX XXXX XXXX XXXX XXXX - Balance I have no knowledge of this account and this account is hindering me from moving forward with purchasing my home.
Complaint sub-issue: Frequent or repeated calls

I have told this company to provide me proof of Debt, They have refused to do so They are now calling multiple times even with me telling them to stop are also texting me from XXXX and the text comes up as they are XXXX XXXX Else for Example the last says they are The XXXX XXXX. and then says they are National Recovery Agency
Complaint sub-issue: Information belongs to someone else

Upon checking my credit score I noticed a school loan appeared on my report from a company named Loan to Learn ; However this is not my account I did not co- sign for this and garnishments are being taken out of my paycheck. There 's been a 20 % garnishment that has been taken out of my paycheck each month for the past year, not even a 15 % garnishment which is the legal amount for Florida. I have tried to contact this company several times and now the company is no longer in service. Several complaints have been brought up against this company for fraud and I 'm afraid I am a victim in this matter. I have also contacted the HR department for my company and they do n't even have any information about what the garnishment is for and where the money is going to. My next step will be to contact the IRS, Credit Bureaus and a lawyer.
Complaint sub-issue: Personal information incorrect

I called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a rep that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been over one month, and nothing has been removed. All the incorrect address, incorrect names, and incorrect employees. I was advised to file another dispute and the information would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1861 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also, my life! 15 USC 1681 a ( d ) states as a consumer I am due, promised accuracy on my credit report based on Federal Law. 15 USC 16841 i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons, I am asking that ALL NEGATIVE closed accounts, charged off accounts, collections accounts, incorrect addresses, employers, incorrect spelling of my name, to be removed from my credit report per federal law. All calls were recorded. However, I called in today and the rep hung in my face. so not only are these corporations violating my rights as a consumer they are blatantly lying in our faces and being deceptive.
Complaint sub-issue: Debt was result of identity theft

I continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.
Complaint sub-issue: Didn't receive services that were advertised

In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.
Complaint sub-issue: Debt is not yours

ERC has contacted my before for this same account. And just like before I told them I have never had an account with XXXX and I do not owe XXXX any money. I have been on my wifes account with XXXX for over 17 years. ERC removed this from my credit report and told me they were closing the account. Now they are coming back at me again 2 years later for the same exact thing. This need to stop. They need to remove this from my credit reports, they need to close this account and they need to leave me alone.
Complaint sub-issue: Other problem getting your report or credit score

I have been unable to request my report from XXXX XXXX XXXX and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax. I have called Equifax multiple times and waited on hold for 3-4 hours to have them solve the problem and they have found no issues with my account. A supervisor was finally able to tell me that the issue is with my somehow having two erroneous/duplicate accounts with Equifax which must be merged. When he put me on hold to fix this, I was hung up on. I have tried calling to get through to a supervisor multiple times and one never becomes available. No customer service representative can find a fraud alert, block, or see the duplicate accounts associated with my account. Nobody from the company has offered to call me back and their policy is to tell me to hold until a supervisor becomes available, checking in every 5 minutes. This has been very disruptive to my week and caused me to be fired from my job.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX all free annual credit reports were ordered. Within one week two of the three reports had been delivered. Equifax did not send my free annual credit report. This is a recurring issue with Equifax including previous complaints filed with CFPB. Equifax also keeps sending me the same letter over and over that there has been a recent address change on my credit file. The address listed is my previous address from 20 years ago. Last year Equifax assured me by phone that the letter would stop being sent as it has been arriving for the last nine years. I received the same letter in XX/XX/XXXX. That makes ten years the same letter has been sent to me without resolution.
Complaint sub-issue: Debt is not yours

For the past 3-4 months I have noticed on my credit a amount owed to Hunter Warfield LLC of {$2400.00}. I have filled multiple disputes with the credit bureaus most recently XX/XX/2020 XXXX. The company has never informed me of accurate information that would make me responsible for this account. There is no documentation, bills, or any information that has been provided to me. This is not my account/responsibility and this should be removed from my credit reports. This continues to cause significant challenges to me and my credit in a time of pandemic, preventing me from obtaining services needed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I just received another equifax credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
Complaint sub-issue: Problem with fees charged

I have an Auto Loan with Ally Financial and I'm finding their business practices to be rather shady and possibly fraudulent. Ally Financial sends a loan statement each month which shows the amount that is due on that statement, finance charges, late charges, previous balance totals, and other charges. They also display the outstanding balance of the loan and the loan 's interest rate. However what I find fraudulent is when a customer misses a payment, on the next statement, the amount the missed payment was supposed to be for, is under the finance charges line, in addition to a late fee, and previous balance. What I also find fraudulent is the fact that they do not show a payment breakdown a customers statement, nor do they make it easy to find a payment breakdown so consumers can see how much they are spending in late fees, interest, and other misc. charges the lender may tack on. You have to request what is called a " payment history statement '' using their online banking email service and wait for their reply. The representative couldn't even tell me what the charges were for the year unless I gave him the exact dates of the payments. Who on earth has time for that! Time aside from that, this information should and needs to be readily accessible to consumers, especially as our country bulges into further economic deficit.
Complaint sub-issue: Account status

Account charge off and closed need to be removed from Equifax. Account XXXX for an amount of {$350.00} without any company name just still showing up on Equifax report.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.