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

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 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: Other problem getting your report or credit score

I've been attempting to get my credit score ( once a year free ) from Equifax. However, after 4 months of trying, I'm still unable to get an accurate score from them. The only way I'm able to see any kind of score from Equifax ( without applying for credit from somewhere ), is through XXXX XXXX. 

Furthermore, Equifax 's reporting on XXXX XXXX for my score is approximately XXXX point difference from XXXX and XXXX. Therefore, I strongly believe Equifax is misreporting my score to creditors and having a large negative impact on my ability to qualify for a home that is closing in 2 months. 

At this point, since Equifax is causing severe effects on my ability to attain a home and be in relative compliance such as XXXX and XXXX, I am considering a legal course of action against Equifax and their misrepresentation of my credit score.
Complaint sub-issue: Account status incorrect

I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Was not notified of investigation status or results

I contacted Equifax over a month ago and ask for a full disclosure credit report I still have not receive one. I don't understand why this is taking so long. I had to freeze my account do to some activity that wasnt mine and now am trying to figure this all out and getting no help from Equifax.I need my report ASAP
Complaint sub-issue: Debt is not mine

The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.
Complaint sub-issue: Account status incorrect

Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XX/XX/XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX Equifax - XXXX XXXX - XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my report.
Complaint sub-issue: Report provided to employer without your written authorization

Fraudulent, unauthorized inquiries appeared on my equifax credit report 8 different times, and equifax has been hesitant to remove nor provide any proof of authorization
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Other problem getting your report or credit score

On XXXX/XXXX/XXXX ( 46 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 1 hour and 32 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 32 minute conversation with Equifax Reps ), and XXXX/XXXX/XXXX ( 27 minute conversation with Equifax Reps ) I attempted to contact Equifax to resolve the issue of being unable to access my dispute results, log in online, or thru XXXX as I was told my information was part of the Equifax breach. It is very frustrating and no one there seems to care, be concerned, or go above and beyond to be helpful in resolving. 

On XXXX/XXXX/XXXX, I was sent an email saying I my dispute results were ready to be reviewed. When I tried to it said my information was wrong. I can not log in to see my dispute results or into the XXXX XXXX. I initially thought ok maybe something is wrong with system and would just try again the next day. 

On XXXX/XXXX/XXXX, was my longest conversation and attempt ever. I contacted Equifax only to be passed/transferred around to about 6 Reps in which none were very friendly or helpful even after requesting to speak to a supervisor or manager (  denied ). I was told I have no credit report when I know that I do. They proceeded to make me feel as if I was crazy by asking if I was sure I have credit and was I sure of my log in etc. I also had requested to be warm transferred each time because it was exhausting and very time consuming to have to keep explaining the issue over and over to the next person. Each time they lied to me and would tell me they would warm transfer me but I was just dropped in a queue to the next person. Mind you this is during my work day. Each time I was told there is a glitch with the system and that the next person would be able to help me. 

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Same runaround with the conversation and issue. I couldnt take being passed around so after 2nd and 3rd transfer attempts I disconnected the call. 

No one can provide a resolution. I was told there is a glitch but no resolution. This is very concerning to me and super stressful as I am attempting to buy a house at the moment.
Complaint sub-issue: Debt was paid

No contract with I.C. System, Inc, I do not owe this debt.
Complaint sub-issue: Problem with statement of dispute

I disputed a public record on my Equifax Report on XXXX. I have been trying to have these records removed from my file for a long time now. There are XXXX public records that have been dismissed by the court and I am not responsible for them. The are not present on my credit file from XXXX or XXXX. However every time I dispute it with Equifax they confirm my ownership and will not remove it. It keeps damaging my score.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Complaint sub-issue: Information belongs to someone else

This account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

They called me and stated that they are comeing after me for fraud from a loan I took out in XX/XX/2017 for about XXXX. I made as many payments as I could but I lost my job at that time and was not able to pay it I am currently geting garnished so I can not send them money or I will not be able to live I am a single father of XXXX kids.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This was a particular situation that I broke the lease due to rats being infested in the apartment and the AC continuously breaking and flooding my apartment. I ended up filing it under my bankrupcy when I went on to a XXXX 's XXXX   situation and I could not make the arrangement payment of XXXX per apartment for current month owed. I'm not sure why they sent the bankruptcy attorney and amount of XXXX. And on these records indicate XXXX. I have attempted to call the apartments numerous times as well as I spoke to the collection agency and they said it has been wrote off. However it's not showing that it shows open.
Complaint sub-issue: Account status incorrect

I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX
Complaint sub-issue: Investigation took more than 30 days

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, Equifax, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Complaint sub-issue: Information belongs to someone else

Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I got an alert from my Complete ID credit alert system which showed that my phone number is being used by someone named XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This account is reporting on my credit report as a collection, and I did not open this account. This is clearly a result of identity thief and this need to be removed off my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/19 Never authorized an inquiry for credit with this company.
Complaint sub-issue: Information is missing that should be on the report

I have been paying or Equifax credit monitoring service and since XX/XX//2021 - I have been unable to pull and get a correct copy of my credit report online. When I pull a copy of my credit file - it comes up all XXXX XXXX  - stating that I have no mortgage, no revolving accounts, no personal information, summary is all zero 's, and no installment accounts. 
I have been talking with Equifax about this issue since XXXX/XXXX/2021 and they keep telling me there is a glitch in their system and they will escalate it and it should be fixed in 7 - 10 days. 
Also, when I call in to Equifax and I put in the requested information at each prompt - Then I am told they could not verify me and transferred me to a live person - who then re-verifies me and tells me about my Equifax credit report and then they will send me out a copy. 
XXXX XXXX also tried to pull up my Equifax credit report and it came up with no information - all zero 's Also, I had removed the freeze from my credit report and applied for credit and the creditor advised me that my Equifax credit report said I had no credit file, no credit score, limited credit experience and I was denied credit. 
As of today XXXX/XXXX/2021 - it still has not been fixed by Equifax and this concerns me because I have been the victim of identity thief earlier this year.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Account status incorrect

I sent CRA 's documentation and proof based on the results of the CFPB report that the ( collection account ) XXXX must be deleted. The CRA have not removed it and I have the documentation from the organization as well to support the deletion. 

It should be deleted immediately. This is identify fraud. I have been working with two CRA 's for 3 months and they have not done a proper investigation, when information was requested, they did not have my permission to publish this on my consumer report per Disclosure to Consumer. USC 1681 2 ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. I NEVER gave permission form any credit report to publish my personal identifiable information. ( FRAUD ) I have the document from XXXX states this needs to be removed. Now, they still have not removed it after sending documentation in to support the deletion of collection account in the amount of XXXX from XXXX Account. I have the letter from the collection agency as well stating they have submitted for it to be removed. In addition XXXX has deleted this from my Consumer report, which supports there was not a proper investigation done by Equifax and XXXX. 
I have documented every letter and receipt to support my efforts of removing this from my consumer report.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX  XXXX XXXX last reported XX/XX/2021 in the amount of {$320.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX individually and have not received any reply back