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

EQUIFAX HAS ACCOUNTS ON MY REPORT THEY REFUSED TO DELETE. THESE ACCOUNTS HAVE BEEN DELETED BY XXXX  ACCORDING TO THE FCRA.
Complaint sub-issue: Old information reappears or never goes away

As of XX/XX/XXXX XXXX XXXXXXXX XXXX is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. XXXX XXXX is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted XXXX XXXX today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter to Equifax out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, XXXX XXXX On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

An bank account was opened fraudulently using my identity
Complaint sub-issue: Account status incorrect

XXXX XXXX is inaccurate reporting to my Equifax credit report. The asked in dispute letters agency to remove this account because XXXX closed without any reason because they decided to stop accepting my payment out of my account which was set on auto pay. I reached out to XXXX to get an understanding of what was going on and they gave me no response and close down my account without notice. account is being reported as a charge off showing past due balance.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.
Complaint sub-issue: Personal information incorrect

I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. The information on my credit profile has been giving me a hard time for so many years now it's been hurting ever aspect of my life. From high payments on accounts to credit card denies.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM INC. for committing identity theft. I have never given I.C. SYSTEM INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and I.C. System Inc. continues its collection efforts, I will file for litigation for actual damages caused and I.C. System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required. 

Certified Mail # XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was XXXX XXXX.
Complaint sub-issue: Account information incorrect

'The Terms Duration ' is being reported as XXXX months on the XXXX XXXX account ; the correct Terms Duration is XXXX months as stated on the attached letter directly from XXXX XXXX 

According to 15 US Section1681 of the Fair Credit Reporting Act, Consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

I have uploaded proof of the correct term duration and the inaccurate information being reported by each bureau.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I the consumer had an account with Discover financial services. While having Discover I was not satisfied with their services and rescinded ( 15 usc 1635 ) the contract with them. By law, after XXXX  days of issuing them a notice. I was suppose to receive refund via check. They discovered cleared the balance and then issued a refund to my credit card balance and told me that the account will be closed after I withdraw the funds. When I tried to use the card they locked it and I was unable to withdraw my funds. I called them several times asking about this issue and a rep name XXXX said they will send me the check to the mailing location listed on file. I never received the check, I have an available balance on my credit card that I can use but im locked out of it. Discover has been charging me interest and late fees since the account has been closed and its canceling out my refund. I spoke with XXXX from the executive office who was rude and incompetent, refused to handle this matter and ignored the federal laws when it was brought up. I have the conversation recorded
Complaint sub-issue: Deposits and withdrawals

My account has been locked for 3 weeks because of changes that I did not make I filed a claim as soon as I saw the charges. Most of them from different states, California, Arizona, New Mexico. I live in Oklahoma. They told me my account would be locked for 7-10 business days, 3 weeks ago, I have called and no one will help me. I have emailed and Im being told that I just have to wait even though it has been over the 7-10 business days
Complaint sub-issue: Problem making or receiving payments

To who it may concern, I have the same account with citi bank for almost 40 years.I asked for a new banking card because my other one was lost.They sent me a business card which had my private account on it .They took care of the mistake and sent me a card for my personal account.The problem then was they didnt have my payees online with the new card.So after being tortured by them for 4 days they finally sent the payees and they were available on line.The problem then was there were zero records of any payments that were made going back years.I then was tortured by them for days on the phone and in person before they told me they have the records but you cant have them because we cant make them available for you for some weird reason which they didnt know.So now I am filling out my taxes and other bills and have zero records.
Complaint sub-issue: Banking errors

Opened my account in XXXX, CA XX/XX/2019. Agent XXXX has been tampering with my personal information, without my consent ever since the opening of my account. She has repeatedly altered my address without consent or direction. US Bank has failed to act on this concerning matter. On XX/XX/XXXX, I spoke with supervisor XXXX who promised to open a " sensitive issue ticket '' and once again, this was another bogus, empty promise from US Bank. Nobody has followed up with me regarding steps being taken to secure my account, nor offered any resolution. My personal account information is still being altered and tampered with by XXXX. US Bank has failed to respond, in any fashion, nor take my concerning security issues seriously. I've been lied to now by multiple supervisors about the continued security breach, not one of them has done their jobs to protect me, my privacy or personal information. My great security concerns have been completely ignored.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

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 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: Debt is not yours

Dear Receivables Management you responded via mail but failed to provided the proper documentation. I specifically requested the HIPAA release form bearing my signature given the provider permission to release medical information to a third party. In the documentation I have from you do not provide me that form. 
This is against the HIPAA law for you to be attempting to collect on alleged debt owed without having this form. Unless you can provide me the form immediately. I demand you cease debt collecting and remove this account from my credit report ASAP. Further action will be taking if you refuse to provide this information.
Complaint sub-issue: Public record information inaccurate

I submitted a dispute for the XXXX  XXXX and XXXX XXXXXXXX on my consumer report. Equifax verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX XXXX and XXXX from my consumer report.
Complaint sub-issue: Information belongs to someone else

There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information is not mine

Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax did not remove the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when I was declined for a credit card last yearXXXX and this year, XXXX and came to learn that I became a victim ofIdentity Theft. I can remember that I tried to get a loan through an online service in XX/XX/XXXX and before this time, and I suspected that as a scam. I believe that at that time they stole my personal information and used it to open multiple accounts and did inquiry also. I am listing them below, which are not authorized by me. Also, I have done a police report and fi led a complaint because I wanted to ensure that I was not liable for these fraudulent activities and wanted to ensure that these fraudulent account listed in the police report and Identity Theft Report are blocked from my credit report with Equifax, XXXX and XXXXThe Fraudulent Accounts Include : XXXX XXXXAccount Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX XXXXAccount Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX/DEP OF ED-Account Number XXXX XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX, AND XXXXXXXX XXXX XXXX-Account Number : XXXX, ( DATE OPENED : XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Complaint sub-issue: Frequent or repeated calls

I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so.
Complaint sub-issue: Didn't receive notice of right to dispute

N accordance with the Fair Credit reporting Act Account XXXX XXXX  # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my w
ritten instructions
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my 5 month old twin daughters. Being a XXXX XXXX XXXX fleeing my XXXX  at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX XXXX, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.
Complaint sub-issue: Account terms

Confusion with me and my fathers XXXX bill because we have the same name.
Complaint sub-issue: Public record information inaccurate

Bankruptcy has been on my report 10 years and should be removed
Complaint sub-issue: Information belongs to someone else

I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.
Complaint sub-issue: Can't decrease my monthly payments

I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.