Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

I have continuously disputed an incorrect address that is listed on my credit report and Equifax insist on leaving the address and states it belongs to me. I have never lived at that address listed, it 's in a different state. This has caused numerous accounts that do n't belong to me to show up on my credit file. They are the only credit agency that I have had this problem with. It started back in 2010 that I know of and it 's not in a result of Identity theft. The accounts that I have disputed to be removed from my Equifax credit file do n't have a SSN listed so they seem to be matching the first and last name and DOB. The other person they get me mixed up with I found out has a different middle name and lives in a different state.
Complaint sub-issue: Problem during payment process

I have a credit card with discover. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Complaint sub-issue: Investigation took more than 30 days

THIS IS NOT A DUPLICATE CASE. THIS COMPLAINT INCLUDES THE POLICE REPORT FROM A LOCAL POLICE DEPARTMENT AND A XXXX  REPORT WHICH BOTH NEED TO BE SENT TO ALL FRAUDULENT ACCOUNT DATA FURNISHERS. I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by the consumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report , that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my Equifax/XXXX Credit Report. 

-I attempted to access my Equifax/XXXX credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-Equifax/XXXX required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with Equifax and XXXX
Complaint sub-issue: Account status

My mortgage is with XXXX. In XXXX, I asked that my escrow account be returned due to missed payments for real estate taxes. At that time, I ceased paying the escrow amount and have made the principle and interest payments on a timely basis. I have made all payments for real estate taxes and insurance, but XXXX has been applying my mortgage payment to escrow or just not applying the payment at all. The result is an escrow account of over {$4000.00} which should have been applied to the mortgage. XXXX is reporting me as over 120 days delinquent. I have provided Equifax with copies of my cancelled checks and they refuse to correct the situation. 

In addition, the phone number provided by XXXX to follow up on this issue is incorrect. My payments have resulted in my FICO score going from XXXX to XXXX. The only blemish on my credit forever is XXXX. I was never notified they were drastically reducing my rating nor did they provide me with the opportunity to refute the reporting. The system defies reasoning and does not protect the consumerI have documents which have been provided to Equifax, but can not up load them. Give me an address and I can mail the hard copies
Complaint sub-issue: Account status

Equifax has not been any help to me I called to let them know that my student loan which is in good standing is appearing on my credit report numerous times and its all XXXX loan.It has been consolidated. I provide them with all the information that I could and they still did not remove anything.I have called my student loan company and they stated they submitted all my paper work to the credit bureaus and it should not be reflecting on my credit.I let Equifax know what my loan company said and still got no help!
Complaint sub-issue: Reporting company used your report improperly

Complaint : ( XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Equifax Account # :XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened:XXXX Balance : {$0.00} No. of Months ( terms ) :0 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported:XXXX Comments : Account transferred or sold Charged off account Date Last Active:XXXX Date of Last Payment:XXXX
Complaint sub-issue: Reporting company used your report improperly

am a natural person, I am a living human being. I have rights under 15 USC1681 Equifax is govern by 15 USC1681, and they violated my rights numerous of times. I demand these accounts listed below be removed because according to 15 USC1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Yes I contacted the feldloan today XX/XX/2019 and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the XXXX. I am calling many time but nobody answered.. the only I need they check that information and remove that
Thanks!
Complaint sub-issue: Personal information

My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX XXXX XXXX  and Equifax. 
I have provided them both documentation stated that I have never lived at the address or received a card from this company. This negative information has not been updated.
Complaint sub-issue: Fee problem

On XX/XX/XXXX I contacted Citibank about a monthly service fee of {$25.00}. I explained to the CSR that I was aware my balance fell below {$1500.00} so I deposited the necessary funds and they refunded the fee. 

On XX/XX/XXXX I contacted Citibank about monthly fees for the second time because the necessary funds were in the account. The rep told me the account was set up for {$10000.00} balance to avoid fees ( first rep never told me this ) I explained that I was told the balance needed to be {$1500.00} by the 1st rep. He said he would change it to a basic checking account so I would avoid the fee next month being that I was able to maintain the necessary funds to avoid the fee. 
On XX/XX/XXXX I got charged a 3rd {$25.00} fee. I called Citibank again and asked why I was charged the fee again and they said nobody ever changed the account last month and they will not be able to refund the fee again. I explained that the man that I spoke to the previous month was supposed to change my account to a basic checking so the fees could be avoided. She then told me that they would pull up the phone conversations and file a complaint so that I could be refunded. So far I have not gotten my refund and I have closed my account with Citibank.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
Complaint sub-issue: Information is incorrect

Has a XXXX on report as criminals for a XXXX XXXX and I WAS NEVER EVER CONVICTED. REPORT SAYS TO CONSIDER!!! I LOSS THE JOB!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to XXXX XXXX  an online bank that went to Sagestream Credit e located in XXXX XXXX CA. Sagestream stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My Complaint is Against All the Companies Listed Lexis Nexis,  XXXX, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent LexisNexis, XXXX, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Complaint sub-issue: Reporting company used your report improperly

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Complaint sub-issue: Public record information inaccurate

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases information to second or third parties because its illegal and I can sue them.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove an address and a collections account that are fraudulent for over 30 days. A XXXX, AZ address appeared on my credit report as a result of identity theft, and I have submitted disputes 5 different times, but the address still appears in my account! Additionally, a collections account from XXXX XXXX XXXX has already been resolved and closed due to identity theft fraud, yet Equifax ignores any request to remove it from my report. All representatives are unhelpful and say these accounts are removed, but I STILL SEE THEM IN THE EQUIFAX PORTAL AS UNRESOLVED. Equifax is intentionally ignoring proof of identity theft and intentionally leaving fraudulent information on my credit report, ruining my credit score and access to credit due to a fraudulent account from over 6 months ago that has already been proven as identity theft.
Complaint sub-issue: Information belongs to someone else

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

My credit report has inaccurate accounts and addresses that do not belong on there.
Complaint sub-issue: Problem during payment process

I was going to close this credit card because I no longer needed it but I ended up calling back and requesting to keep it under the advise of the credit repair guy. I called to make sure I had the right address and the website had the wrong address. The reason I was going to close it is because of the difficulty and expense of getting a payment in securely. I alerted the representative to the fact that the addresses were different and he was not concerned about it? I sent in the money order and did not put tracking on it, big mistake. I sent it in on the XXXX of XXXX and it was cashed on the XXXX of XXXX. First Progress said I needed to send proof so I sent the money order number and my receipt. They then told me I needed to send the other side of the money order so I attempted to fax it an entire day at XXXX until at the end of the day it finally went through. I have 11 pages proving that I was trying to fax from XXXX The first fax went right through? When I called the following day the said it was not sufficient? 
The money order was made out to them and it was cashed in the same amount of time as the prior payment. I thought the number of the money order is how they would know if my hand writing or any other detail was wrong?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance 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  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Received bad information about my loan

My direct loan is in default. Allied Interstate has my loan in collections and I have been making payments for 15 months. All of my payments have been applied to interest, fees & charges while no percentage of my payments have been applied to the principal. Allied is telling me that I can not rehabilitate my loan or ever get it out of default without settling in full. 

1. The guarantor still has my loan. I have repeatedly contacted my servicer and I tried to work out a rehabilitation, but they wo n't work w/ me. Allied Interstate is not operating with my best interest in mind. Why am I not getting other options? 
My loan is federally backed. Allied Interstate could cash this loan out at 100 % with the XXXX and get fully compensated. I could become eligible for an income based program if they did this. 
They could offer me rehabilitation. 

2. In XXXX, I should have been directed to sign a master promissory note of some sort, but where is the form with my signature? I have no record of consolidation. I was not properly informed and I do not remember signing a document for the consolidation that occurred in XXXX. 

3. On XXXX XXXX, I went into default. However, from XXXX XXXX, XXXX ( after rehabilitation ) through XXXX XXXX, I was not provided a new payment value so I had no way of knowing that I had a payment due. I should have been told I owed payment. 

4. In XXXX of XXXX, XXXX held hearings on the mismanagement of student loans. I understand this is a current hot political issue because it has big consequences in the lives of constituents. My creditor is not acting in the interest of me, the customer. XXXX is only applying my payments to interest and fees while my loan remains indefinitely in default. As a result, I can not go back to school, I can not buy a house, and I can not get a loan for a wedding ring while my loan is in default. My life has been crippled. 

.