Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reinserted previously deleted info

EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLACED BACK ON MY FILE ADDRESSES THAT WERE INDEED FRAUDULENT AFTER SENDING ME INFORMATION THAT THE INFORMATION WAS DELETED. ON XXXX XXXX THE FOLLOWING INFORMATION FROM EQUIFAX WAS SENT TO ME STATING THAT THEY HAD INDEED REMOVED AND DELETED THE FRAUDLENT ADDRESSES THAT ARE IN QUESTIONED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX VIRGINIA XXXX VA XXXX. AS EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLENTY OF DOCUMENTS INCLUDING BUT NOT LIMITED TO POLICE REPORTS FROM NC/VA LAW ENFORCEMENT OFFICES AS WELL AS FTC AFFIDAVITS SUPPORTING THAT THESE ADDRESS DO NOT BELONG TO ME AND I HAVE NOT STAYED AT THESE ADDRESSES AND THAT IT IS INDEED FRUADLENT. ON XXXX XXXX XXXX I RECEIVED INFORMATION FROM EQUIFAX THAT THEY ARE REPORTING THE FOLLOWING ADDRESSES BACK TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CLAIMING THAT IM A RESIDENT OF THIS ADDRESS SINCE XXXX WHICH I HAVE NOT EVER STAYED AT THAT ADDRESS AND THE PROPERTY OWNERS AS WELL AS LAW ENFORCEMENT AND PUBLIC RECORDS WILL SHOW THAT IM NOT A RESIDENT OF THAT ADDRESS. XXXX XXXX XXXX XXXX NC XXXX EQUIFAX STATED THAT I WAS A RESIDENT OF THIS ADDRESS AND CAN NOT PROVE ME TO HAVE BEEN AT THAT ADDRESS AND STATED TO ME THAT I USED THAT ADDRESS FOR MAILING AND BUSINESS PURPOSES AND CAN NOT PROVE SHOW ON XXXX THAT I STAYED AT THAT ADDRESS BY AN APPLICATION OR MAIL RECEIVED BY ME AT THAT ADDRESS. ALSO XXXX XXXX XXXX XXXX XXXX IN XXXX VA XXXX EQUIFAX CLAIMED THAT I BEEN A RESIDENT OF THAT ADDRESS SINCE XXXX WHEN IN FACT THAT ADDRESS WAS FRAUDULENT AND CLAIMED THAT I USED THE ADDRESS FOR BILLING AND APPLICATION PURPOSES WITHOUT SENDING ANY PROOF. BUT HAVE DOCUMENTATION PROVING IN THEIR RECORDS FROM XXXX THAT IT WAS INDEED FRAUD AND I HAVE NOT STAYED AT THAT ADDRESS. ALSO THE ADDRESS OF XXXX XXXX VIRGINIA XXXX XXXX THAT THERE CLAIMING I BEEN A RESIDENT OF SINCE XXXX WAS INDEED A FRAUDULENT ADDRESS AND THE INFORMATION FROM THAT ADDRESS IS FRAUDULENT AND EQUIFAX HAS IN THERE RECORDS INFORMATION PROVING THAT I WAS NOT A RESIDENT OF THAT ADDRESS AND THAT IT WAS IN DEED FRAUDULENT. FROM LAW ENFORCEMENT OFFICIALS. WITHOUT PROVIDING ANY PROOF THAT I STAYED AT THAT ADDRESS AGAIN.. EQUIFAX HAS PROVEN TIME AND TIME AGAIN THAT IT WILL CONTINUE TO VIOLATE FEDERAL LAWS UNDER THE FCRA AND REINSERT INFORMATION THAT WAS DELETED AND CAN NOT BE PROVEN EVEN AFTER RECEIVING INFORMATION IN THERE FILES FROM LAW ENFORCEMENT
Complaint sub-issue: Information belongs to someone else

FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.
Complaint sub-issue: Reporting company used your report improperly

These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE JXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB Complaint to you today to inform you that you have failed to comply with my request and you continued reporting the fraudulent accounts and information on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to my identity being stolen. However, upon checking my updated Credit Report, no changes were made and that the disputed accounts and information are still being reported! This action of yours is a clear violation of my consumer rights under the mentioned federal law. I need you to remove the following items completely from my Credit report : 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 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. If you believe that the disputed accounts and information belong to me, I need you to send me copies of proof of verification or any documents proving your claims. I would also consider you sending me copies of results of your investigation. If you can not send me any of these documents, it will be understood as deletion of the disputed items.
Complaint sub-issue: Old information reappears or never goes away

I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
Complaint sub-issue: Problem with customer service

I applied to consolidate my loans with Moehla in early XXXX. I have called several times since then and keep being told it should be processed by the XX/XX/XXXX deadline to apply for XXXX. I have called several times this month ( now XXXX ) and cant even reach anyone. Ive been kept on hold for hours at a time with no one ever answering. My loan still has not been processed and with no way to get in touch with anyone I fear I will miss the deadline
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries that I did not authorize on my Equifax report. I have disputed multiple times and still no resolution. 

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 charge off This information is incorrect Ive called multiple times and the amount is incorrect . I am asking this incorrect information be removed
Complaint sub-issue: Their investigation did not fix an error on your report

When I re investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : XXXX XXXX Balance $ XXXX ; XXXX  XXXX Balance {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, Ally, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from Ally about removal.
Complaint sub-issue: Fraudulent loan

Well I just find out looking at the vehicle I have is that the dealership I got it from never did a mandatory state inspection nor a emission test according to texas law before you sell a vehicle to a consumer otherwise if not that's unfair and deceptive practices and u.s. bank was aware of this issue and didnt get all required documents from XXXX XXXX XXXX where I got my vehicle from ... us bank Been deceiving me this whole time and dont have complete records
Complaint sub-issue: Information belongs to someone else

Re : XXXX and Equifax Dear XXXX and Equifax, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

Thank you.
Complaint sub-issue: Problem with fees

On my XX/XX/2019 Statement, the bank charged a " RETURN CHECK FEE '' of {$28.00}. 
There was NO such " RETURN CHECK ''. On XX/XX/2019, an electronic payment of {$25.00} was made in good faith from a XXXX XXXX XXXX  account, which unfortunately was SHUT DOWN BY XXXX XXXX XXXX AFTER THE PAYMENT WAS MADE, due to IDENTITY THEFT and FRAUD. I IMMEDIATELY opened a new bank account and made a SECOND payment to this credit card on XX/XX/2019, WITHIN THE PAYMENT TIME FRAME AND BEFORE THE DUE DATE. This payment WAS SUCCESSFUL, in the amount of {$480.00}. 

There is absolutely no reason to charge me a " RETURN CHECK FEE ''. 

On the same day, XX/XX/2019, at aprooximately XXXX EST I communicated electronically with bank associate " XXXX XXXX who stated that the fee would be removed if the originating bank sent a fax stating that " the funds were available on the date the payment was attempted ''. XXXX XXXX XXXX was contacted and this was sent. 

The fee was still not removed or reversed. 

On XX/XX/2019, I made a second communication attempt via fax, explained the situation again and demanded a fee reversal. This communication was not answered.
Complaint sub-issue: Information belongs to someone else

I had some concerns after getting a letter about a breach at XXXX XXXX. On XX/XX/2019, I went to annualcreditreport.com and pulled my credit report. Everything seems to be ok except for my report showing two different addresses. I have lived in Georgia my entire life and for the last 33 and 1/2 years I have lived at XXXX XXXX XXXX, XXXX, Ga XXXX which is the first address on the report. There is a 2nd address showing of XXXX XXXX XXXX, XXXX, XXXX, NT XXXX. Address ID # XXXX. I have never lived at this address and I don't know of anyone that does. Would you please help me with this? Thank you. XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have ONE loan with lending club, however, my XXXX  report shows the same loan TWICE which has caused me issues obtaining new credit and credit limit increases. 

I contacted XXXX disputes and all they did was update the duplicate account with the payment history of the existing loan. In other words they didnt do anything to remove the duplicate loan and did nothing to fix it but closed just dispute. 

I contacted lending club today XX/XX/21 and asked for help and was informed its a known issue, no resolution date, theres no letter they can provide before I apply for my new mortgage - so essentially we dont care just deal with it. Please help me as I plan to apply for a mortgage in three weeks and this will be a major problem. Not only that it has also impacted my ability to obtain credit lines in recent card applications.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX BANKRUPTCY violation of consumer reporting I want item removed from my credit profile
Complaint sub-issue: Other problem getting your report or credit score

Last XXXX I contacted Equifax in writing about a concern I have seen on my credit report when I try pulling my credit report. The concern was that I didn't seen any report from Equifax. So that's when I contacted Equifax in writing about my concerns and in return Equifax reply back to me by mail ask for more information. I send back a copy of the letter and the information they ask for, and since then I been recieving the same letter several times and also since then I been calling and resendingtthe same information. Last letter I received was XX/XX/XXXX and I send in a other copy of the same information and to this day XXXX haven't seen any change to my credit report from Equifax.
Complaint sub-issue: Old information reappears or never goes away

A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?
Complaint sub-issue: You never received your bill or did not know a payment was due

i moved across the country and we lost all our id and papers a few years back and now getting lives back in order. we put in a change of address and did not recieve a bill or call
Complaint sub-issue: Right to dispute notice not received

This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.
Complaint sub-issue: Account status

In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.
Complaint sub-issue: Problem with customer service

Attempting to communicate further with Citi has proved impossible. They refuse to help me via their secured chat, demanding that I call and speak to someone, which is extremely ableist and shouldn't be allowed. Further, they threatened to charge me a late fee even though I have no outstanding balance. This truly is not a bank, it's simply a scam.
Complaint sub-issue: Public record information inaccurate

Re : Improper Student Loan Default Status When CARES Act was passed, money that was seized from my tax returns was returned to me, but my loan was paid off. Why would the decision be made to undo the payoff? That was out of my control and now the default status is affecting me closing my mortgage loan in the next two weeks. There must be an alternate status that my loan could be placed in at least until XX/XX/XXXX. I called to make new payment arrangements, but the DEFAULT status is hurting me right now. 
The Department of Education immediately placed my loans into default. It is my understanding that the CARES XXXX was to provide temporary student loan relief in three critical areas through XX/XX/2020. 

-Student loan payments are paused -Interest is suspended -Collection on defaulted federal student loans is stopped Please help me with this promptly. I really need my home. 
Why is this affecting me BEFORE the XX/XX/XXXX deadline?
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a request for investigation of a XXXX Acct XXXX # XXXX, which yXXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your XXXX system, they would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter,
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Someone has been using my social security number to obtain vehicles, housing, etc. Also there are addresses from XXXX XXXX attached to my credit file. I am a Alabama native.and have never resided in XXXX XXXX please see police report attached
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 XXXX re-inserted previously deleted items from XXXX XXXX without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also Equifax on XX/XX/2018 really-inserted items from XXXX XXXX without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.
Complaint sub-issue: Problem getting your free annual credit report

Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX  XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to Equifax and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and Equifax XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, 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 an account without my written instructions.
Complaint sub-issue: Called before 8am or after 9pm

Repeated, unwanted and voluminous numbers of phone calls to my cell phone from Rausch Sturm ( located in Wisconsin ). This company has called my cell phone repeatedly and on a daily basis using a myriad of different phone numbers intended to appear from area codes in the XXXX, Texas area. Generally the calls appear in the afternoon, however, today on XX/XX/2021 I had yet another phone call from them with an originating number of ( XXXX  ) XXXX that rang at XXXX which woke me from my sleep and disturbed my peace. 

I do not have any valid, outstanding debt and there is simply no reason for these endless phone calls at any hour of the day, especially at XXXX. 

This debt collector is using unscrupulous methods to contact individuals by hiding behind many different phone numbers with multiple area codes as well, which has an unfortunate effect when I can not simply block one phone number and silence the endless array of phone calls due to the calls originating from alternate phone numbers. 

I have evidence of this call at XXXX and will gladly seek legal representation and file suit against Rausch Sturm if this issue persists, but I am hoping the CFPB will take action against them first.