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

Equifax/Equifax credit bureau/Equifax information services Llc . Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.
Complaint sub-issue: Account status incorrect

XXXX and equifax are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.
Complaint sub-issue: Was not notified of investigation status or results

Back in XXXX of 2020 I filed disputes with all 3 credit bureau. As of today I have yet to received anything from any of them. Can you please tell WHY?. The law is 30 days and it been 4 months. I am confuse as to how it can take so long to send results. I have attached proof of the first disputes I filed.
Complaint sub-issue: Privacy issues

I have had a Sears Mastercard since XX/XX/XXXX. Back in XX/XX/XXXX or XX/XX/XXXX of this year, I added my boyfriend on my account as an authorized user. Prior to doing so, I called customer service to verify how the process works because I did not want to tie my boyfriend to my address because he does not live there. I was advised the card would be in his name but would be sent with my name on the envelope and because they don't take any other personal information besides the name, it wouldn't affect his credit reports or attach him to my address. Yesterday, I received a pre-approval letter in the mail from XXXX XXXX with my boyfriend 's name on it. I immediately contacted Sears customer service about their privacy policy as it states they do not sell your information and spoke with an account manager.  She told me to prove it was then and hung up on me. I DID NOT AUTHORIZE for Sears to sell my information used to conduct business with Citibank to another credit card company they're not affiliated with. This is a strict violation of their privacy policy. Sears is the ONLY company ever to associate my boyfriend 's name with my address. He has not been added to any other credit card, all the utilities are in my name at my house so there is no other way to tie him to me besides adding him as an authorized user on my card.
Complaint sub-issue: Account status incorrect

XXXX : The past due amount reported is incorrect, please delete.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, and # 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 state consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Complaint sub-issue: Keep getting calls about your loan

I received a call from an unknown company claiming to represent Citibank in order to collect a student loan debt from XX/XX/XXXX to XX/XX/XXXX. They stated the wrong school so I thought this was odd. I was told I can settle the debt with them and then stay out of court with Citibank or not pay and have to go to court and then pay double. For monthly payment they wanted XXXX a month down and XXXX every month with a higher debt amount. This whole thing is odd because Citibank was not on my credit reports. I dont trust this at all and think its a way to get money out of me.
Complaint sub-issue: Account status incorrect

I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit report immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX I Financed brandnew XXXX XXXX with VOLKSWAGEN CREDIT  Sold it to XXXX in XX/XX/XXXX. 

two years later it appeared on my credit with a {$8000.00} balance out of the blue
Complaint sub-issue: Information belongs to someone else

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Complaint sub-issue: Trouble with how payments are handled

My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.
Complaint sub-issue: Debt is not yours

I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the FCRA, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX BANK account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXT XXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I mailed in form to to get the XXXX free credit reports. I have only received XXXX from XXXX. XXXX sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from equifax.
Complaint sub-issue: Information belongs to someone else

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX  )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is in follow up with Dispute # XXXX which Equifax has already responded to. I have disputed this claim in regards to State tax lien XXXX. I attached a letter from Lexis Nexis dated XX/XX/XXXX Confirmation number XXXX Customer number XXXX ( which I have attached ) that have stated that XXXX XXXX has removed this item from their database and I have also spoken with XXXX Consumer advocacy dept located in XXXX. She couldn't supply her last name. On Risk view report on FCRA, She stated that there were liens or judgment. On public records report she stated that State tax lien XXXX. Equifax sent me a dispute letter dated XX/XX/XXXX that they confirmed the Tax lien through XXXX XXXX and that it was reporting accurately. I believe Equifax did not investigate this with XXXX XXXX because I have a letter stating that this tax lien has been removed and have verified three different times with XXXX XXXX that there are no tax liens on my account. Equifax is not doing their job and did not investigate my complaint. Please provide relief because I have verified in writing and with a phone call that this disputed item has been removed from my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.
Complaint sub-issue: Investigation took too long

Equifax has had incorrect information in dispute for 3 months and have not addressed it. I also sent in information to remove fraud alerts from my credit report months ago and they did not remove those either. Equifax has broken the laws not removeing the inaccurate items or addressing the disputes that were done online, in the mail and via fax. They did not remove all fraud alerts as well it was sent XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Complaint sub-issue: Trouble getting, activating, or registering a card

took XXXX weeks to get my unemplement to be approved and finally when its time to collect thru us bank reliacard thats when the issue start i m in my XXXX week now waitting for them to send me a prepaid card but never got it and every time i called the want id verify or they telling me the fraud departement is stoping it. 
playing games with people money its not a game we have bills to pay and rent to pay and i m not gon na be evicted and live in the street in this cold wheater becouse those people dont care or dont know how to do their jobs their custmmer service is not trained or have the knowledge to fix problems or find a solution. fighting the scammers by punishing innocent people like us is not the right way to do it. 
us bank not a good choice for a goverment contract
Complaint sub-issue: Fee problem

My husband opened this account since XX/XX/XXXX and later I was added to it. The institution where we have this account is very appropriate for our business due to I 'm a very busy person taking XXXX XXXX XXXX XXXX persons in my family. When I started to manage the account I noticed that there were to many overdraft charges and I check in my notes and found that this institution charges fees on any transactions that may avoid the charge if they just make what other institutions do. Post deposits prior to the payment or activity that make out accounts to go overdraft so they can charge the fees. 
My most resent problem was this. 
On XX/XX/XXXX My bank charged XXXX dollars of overdraft fee for two transactions that had balance to be pay. 
( See bank transactions report from XX/XX/XXXX- XX/XX/XXXX attached ). 
Like this time many of these transactions became on many of overdraft fees over the three years we have been business with this institution. 
They make you open a saving account too with a automatic transfer of XXXX dollars minimum to maintain the account service fee voided and do not tell you that they will charge fees for transactions made between this two accounts ( checking and savings ). 
On XX/XX/XXXX I have been charged XXXX dollars for OD Protection fee. ( see Statement report from XX/XX/XXXX through XX/XX/XXXX attached page 4 of 6 ). 
These are not the only times this has been happened. I spoke to the bank manager the first times I saw this happen but she removed the first fees charged in my account. After a few times I reject the charges she told me that I needed to go directly to the branch where my husband initially opened the account because she was not able to remove more fees in the future. My husband opened the account on a branch that is close to his job and we live very far from his job. I definitely did not go there, so the fees continue until this date. In total I have been paid {$4000.00} according to the bank ( see attached bank letter ) I know I have been paid this money but is not right to pay some of these charges just because some institutions do n't make the right things. Please check on this and I hope you can help us, as consumers to have a voice.