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

I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, Equifax, and XXXX. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX XXXX with XXXX, Equifax, and XXXX XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, Equifax, and XXXX should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & Equifax credit report. XXXX XXXX XXXX provides three different contact addresses to XXXX, XXXX, & Equifax. The ledger balances from my XXXX, XXXX, & Equifax are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX XXXX account with XXXX, XXXX, and Equifax it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX 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 a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.
Complaint sub-issue: Was not notified of investigation status or results

It seems that the account keeps reporting on my credit I have asked numerous times for the credit bureaus to verify this debt in accordance FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 

The credit or credit reporting agency is unable to provide this information so I am not certain why this account with out account history keeps reporting. 

XXXX XXXX This account has no address, no phone number how did they verify this debt?
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting a balance and charge off status for an account that was included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019. I filed a dispute with CPFB to XXXX & Equifax. XXXX resolved their dispute & assured me it was fixed, but when I checked my credit it was only fixed on the other 2 bureaus and remained on equifax. I called XXXX & notified them of the issue on equifax & they stated they would fix it. After still no resolution with XXXX & Equifax still not resolving the original CPFB dispute with them, I filed another dispute directly with equifax on their website. Equifax closed the dispute today stating my file was updated, but when I check my file it is still showing a balance for this account & charge offs after the bankruptcy discharge. I then called equifax and after going through 10 minutes of security verification questions with a representative that I had a hard time understanding, she told told me the verification process was complete and she would look at my account and then disconnected the call! I am so beyond frustrated with this & if it is not promptly fixed I will have no choice but to file suit.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax are in violation of the FCRA. They are continuing to inaccurately report account # XXXX ( XXXX XXXX XXXX XXXX ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on XXXX and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax notified me that they had checked into my complaint that a credit collection appeared in my Equifax report that was not mine. They found that it was mine after reinvestigating. The collection amount is XXXX. 

The collection was from XXXX  XXXX XXXX  now know as XXXX XXXX XXXX in XXXX, Florida. I live in XXXX, NC and have not been to this part of Florida in 25 years. The bill up for collection was for a XXXX XXXX born in XXXX. I was born in XXXX. I have never seen the XXXX Hospital or Dr. XXXX or the XXXX XXXX XXXX.. I found a number for XXXX XXXX XXXX online, they gave me the number for XXXX XXXX XXXX who does billing for XXXX XXXX XXXX  XXXX. 

I found out all of the above in less than 15 minutes on the phone. Equifax did not reinvestigate anything.
Complaint sub-issue: Account information incorrect

I have sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.
Complaint sub-issue: Trouble with how payments are being handled

The company has not adequately assessed the qualifying payments for the Public Service Loan Forgiveness program. 

The qualifying employment verifications has been submitted, per the company 's request, in the format required ( Ink signature from the employers ). 

The company continues to delay the assessment, and adjudication of payments affecting my ability to request new credit.
Complaint sub-issue: Problem getting report or credit score

My loan agent was not able to get a credit report from Equifax because my account was locked. I called Equifax from XX/XX/XXXX afternoon till XX/XX/XXXX morning to unlock my account. And finally got instructed to email copy of my Social Security Card and Driver License to XXXX because they do n't have my information in their system. Their auto-reply email said they would response within 2 business days but nothing happened after two business days and my load agent and my new house are still waiting for them. 

I checked my previous emails today and found I went through the same issue with Equifax 5 years ago ( XX/XX/XXXX ). They asked me to email the same information 5 years ago and then asked me to fax the documents instead of emailing. I did n't get it why I should do the same thing again since they 've already got all the information at that time.
Complaint sub-issue: Their investigation did not fix an error on your report

contact company about incorrect information on report and company refuses to take information off
Complaint sub-issue: Attempted to collect wrong amount

I called Conn 's and was redirected to the third party agency that my account had been transferred to. The third party told me that Conn 's had agreed to settle my account and the account would reflect paid as agreed. The third party also told me that the account balance would reflect XXXX. Conn 's is still reporting that I owe XXXX to all 3 credit bureaus. I tried to dispute the amount owed and Conn 's "  verified '' that I owed them money. I contacted Conn 's and sent them the settlement agreement showing that Conn 's agreed to settling the account and after I paid the settlement that account balance would be XXXX. Conn 's ignored the letter that I emailed them back in XXXX. I called and spoke with a representative and and supervisor and they both said that I owe the amount that is due. I told them that I will be submitting a complain because they have blatantly ignored the email that I have sent them and have refused to reduce the balance to XXXX as agreed per the settlement.
Complaint sub-issue: Other problem

Received a 'Notice of statement credit ' dated XX/XX/2017. In the letter it indicated I would receive a {$330.00} statement credit which would be applied to my account and would appear on my statement within two billing periods. 
My credit was never received so I phoned the credit card company and it was then explained to me that I would receive my credit by each {$50.00} purchase with a 1 % cash back. 
I do believe this is wrong and it stated a credit to my account. I would very much like this explained to me thoroughly.
Complaint sub-issue: Information belongs to someone else

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.
Complaint sub-issue: Their investigation did not fix an error on your report

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro XXXX compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per http : XXXX XXXX is that " XXXX is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Complaint sub-issue: Personal information

just checked my credit score an found an address that is not mine listed as my new address. on both credit reports.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Good day, I have a credit card account with Discover. They terminated my account citing that I was not in good standing and had poor credit history. This terminated our agreements and accounts. 
They continue to pull monthly and daily inquiries into my account for their " Identity theft and protection service '' that is offered only to Discover card members in good standing. 
I've requested via phone call and " Chat Support '' several times to have this stopped and was given a run around saying they don't control that. That they do not offer that service. That they are not performing that service. I could keep going on the excuses. I still get daily emails and see on my report inquiries from Discover.
Complaint sub-issue: Information belongs to someone else

I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted Equifax and XXXX as well as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to XXXX to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but XXXX has not responded to my letters. Please have XXXX to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax neglected to properly handle sensitive personal information and allowed a massive data breach that is impacting half of the citizens of the United States. I checked on their website http : //www.equifaxsecurity2017.com and it verified that my personal data was breached while attempting to take further advantage of their own malice for profit and sell me a service while declining my ability to participate in a class action lawsuit. They are taking no responsibility for their criminally irresponsible actions and I am forced to bear the consequences personally. They only offer 90 days of credit monitoring service, but my information is permanently leaked.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.
Complaint sub-issue: Overdrafts and overdraft fees

U.S bank fraudulently charged me for items that were never purchased. the transaction was rejected and the money was returned immediately due to there fraudulent and illegal banking practices they charged me several times multiple fines and fees for a transaction that never happened that is now being eported to chex systems, this violates many laws and many of my rights. including but not limited to The Electronic Funds Transfer Act ( EFTA ) : This law requires banks to accurately reflect all transactions on your account, and to provide you with a periodic statement that details all transactions. 

The Truth in Savings Act ( TISA ) : This law requires banks to disclose all fees associated with a deposit account, including overdraft fees. 

The Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations : This set of regulations prohibits banks from engaging in deceptive or unfair practices, including charging fees for services that were not provided.
Complaint sub-issue: Problem with personal statement of dispute

Went to log into Equifax site with KNOWN good login information. Attempts to log into were frozen after three attempts. Called customer support. Customer support asked questions pertaining to my credit history that did not have correct answers given my credit history ( asked for a singular answer about a student loan, for which I have several ... ..refused to clarify the question ). Representative refused to acknowledge the nebulous nature of the question itself and refused to acknowledge the inherent difficulty. Supervisor likewise refused to acknowledge the " no-win '' nature of the questioning and offered to unlock my account ONLY after requiring that I send PII documents via regular mail. It is my opinion that Equifax is not conducting their business in an honest or ethical nature, and very much needs additional attention from a regulatory agency.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Nelnet has engaged in questionable practices over the many years it has serviced my student loan to include ignoring the soldiers and sailors civil relief act by failing to lower the interest rate on my federal student loan below 6 %, applying overages in payments to future payments instead of principal, and also lying to the federal government and the CFBP about the true terms of my loan in order to disguise its predatory practices. When I got engaged with Nelnet I was XXXX to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.
Complaint sub-issue: Attempted to collect wrong amount

Collection account is showing up twice on Equifax credit report and the collection agency claims there is one account and I need to have Equifax correct it. I disputed the duplicate account and the collection agency verified the account and updated the balance but the duplicate account remained on my credit report.
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 # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15U.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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.