Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair act XXXX Account number XXXX and XXXX, the 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

I had a mortgage company pull my credit report. XXXX reports I owe XXXX dollars for my next payment. the balance is reported as being XXXX dollars. The statement reflects that I have a XXXX dollar credit limit, and XXXX dollars available.
Complaint sub-issue: Loan sold or transferred to another company

US Bank as of XX/XX/2021 via their own document has NOT correctly accounted Principal Only payments to my loan. In addition when I was attempting to Retitle and Register the vehicle in the State of Florida they refused until at their direction redact my correct address for a Florida address. 
The staff at CFPB did not read my original complaint and the reply from US Bank because the reply was about something totally different and did NOT address my complaint
Complaint sub-issue: Account status incorrect

There is a new report of a delinquent account on my credit report. I have never been late or delinquent. I contacted the creditor and verified that they made no such report, and I should contact the credit reporting companies. I contacted Equifax through their website to file a dispute and start an investigation. After putting in all the information, the website said it was temporarily unavailable and to call a number. I attach the message. I called the number and told me to it use the website - and endless bureaucratic loop. I did this three times over three separate days, each time with the same result. Same 20 mins wasted putting info in, same temporarily unavailable message at the finish, same use the website message. There appears to be no way to dispute a matter on my credit report and now way to speak with a person or file a report online with Equifax. This is my information, not theirs. They ought to at least follow the law and allow people to dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Acct # 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 acoount without my written instructions.
Complaint sub-issue: Report improperly shared by CRC

I have a hard inquiry from XXXX XXXX on XXXX XXXX 2014. I have been a customer of XXXX long time, at least 3 years, and I just moved to a new address and moved my services, and that does n't give them the right to make a hard inquiry on my credit report. I asked Equifax to investigate, and their response was : We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. Ifyou believe this was unauthorized, please contact the creditor. If you have additional questions about this item pleasecontact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX never gave permision to XXXX to place a hard inquiry, when I moved my services. I was not a new customer. 
I need the inquiry removed.
Complaint sub-issue: Account information incorrect

I graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft. Seems some accounts were opened in my name and are reporting on my credit reports. I took action by creating and submitting an identity theft report. I then submitted it to the credit bureaus and for a few months the fraudulent accounts were removed but to my dismay are now reinserted. Here are the listed account opened dates and outstanding balances 1 ) opened XX/XX/2018 ( {$11000.00} ) 2 ) ( {$21000.00} ) 3 ) opened XX/XX/2018 XXXX {$9000.00} )
Complaint sub-issue: Can't close your account

XXXX Opened new account XXXX Can not access to the account ( account blocked ) XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected I want my fund back and close the account as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I have file disputes with exuifax XXXX and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do
Complaint sub-issue: Information belongs to someone else

I have tried to dispute several bad things on my credit and they wo n't go away. I 'm currently trying to get private student loans for school and am continuously denied bc of Equifax reporting. This is causing a lot of problems for me. XXXX is fixing it on their end why wo n't Equifax?
Complaint sub-issue: Debt was result of identity theft

Company tried to draft money from my checking account for XXXX. 
Bank caught this and brought to my attention, I denied the charge. XXXX does not take checks. according to form, amount is {$1.00} They have tried to call and have sent several communications asking for my social security number and my pic of my drivers license, which I did not send. 
Send letter back telling them I did know what this charge was for and I don't write checks to XXXX. They have a fraudulent check number. 
I need to have them stop contacting me,
Complaint sub-issue: Old information reappears or never goes away

After I settled my debt with Enhanced Recovery Co. I requested for them to remove the account from my report, which they have blatantly denied.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my XXXXhree credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Complaint sub-issue: Reporting company used your report improperly

Equifax wrongfully reported XXXX XXXX XXXX XXXX to my report due to illegal evidence! Ive disputed the accounts numerous times and sent a 609 letter. The accounts were not removed and illegally reported. The employees at XXXX  XXXX targeted me intentionally reporting false information. Equifax removed the inaccuracies but due to the data breach they then had different reportings and deliberately changed my report. Im submitting documents Because of their negligence I can not obtain credit due to w challenged score due to inaccuracies.
Complaint sub-issue: Was not notified of investigation status or results

I had file a dispute with Equifax in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.
Complaint sub-issue: Problem lowering your monthly payments

Since XX/XX/2016 I have been in foreberance and numerous times have filled out paperwork to get my payment lowered to $ XXXX/month. I am the sole income earner, my spouse is on XXXX. Im sorry, they keep telling me the lowest payment was going to be over {$300.00} a month. I make $ XXXX/hr and after all of my bills {$200.00} is pushing the max. I dont understand why they will not accept if I commit to {$150.00} a month and make it every month. I wish they would accept what I can pay each month. Why make things so difficult and stressful.
Complaint sub-issue: Account status incorrect

My XXXX  credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please Thank you.
Complaint sub-issue: Account information incorrect

I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

negative information on my credit report does not belong to me and has negatively affected my credit score. Also, XXXX XXXX XXXX, account # XXXX, has falsely named me as owning a debt. I have contacted both Equifax and XXXX XXXX XXXX multiple times and neither can confirm the false information.
Complaint sub-issue: Information is incorrect

I have not been able to receive a copy of credit report from Equifax since XXXX. Each time I attempted to get my credit report I was told Equifax was NOT able to validate my identity. I have always answered the questions correctly, yet I am denied. I have PDF copies of the questions and my correct answers. I am NOT denied by the other two credit companies. The information Equifax has is incorrect. In XXXX I placed a freeze on the account when I was allowed to do so through emails with links sent directly to me from Equifax. I have my password and username information. I called Equifax today, XX/XX/XXXX, and again was told my identify could not be verified. This predator company is demanding my passport and other information that would prove very damaging to me if released. This company has a history of NOT protecting consumer information. Please help me get a copy of my credit report without sending this company a copy of my passport when the other XXXX  companies have given my a copy without a problem.
Complaint sub-issue: Information belongs to someone else

There is a medical bill that is fraud on my credit! I reported it to police and submitted all reports to all credit bureaus. equifax has not removed it! XXXX and XXXX have already removed it. its XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

As amended by Public Law 111-203, title X, 124 Stat. XXXX XXXX XXXX XXXX As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p. 

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 


how does this collection give me an opportunity to pay it no names whom it from just a collections FCRA violations 4 collection accounts Total balance : {$520.00} Original creditor : {$44.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$44.00} - Payment Info Original loan amount - Balance {$44.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX  XXXX, XXXX, GA, XXXX Original creditor : {$13.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$13.00} - Payment Info Original loan amount - Balance {$13.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX Original creditor : {$44.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$44.00} - Payment Info Original loan amount - Balance {$44.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble closing card

On Saturday XX/XX/XXXX, received via mail, PA ( Pennsylvannia ) Visa US BANK Reliacard. Called company to report fraud, as we knew this was not ours. Wait time to report fraud 6 hours. Called again and automated phone system said, over {$10000.00} was on this card. It appears to be an unemployment, COVID 19, or some kind of GOVERNMENT FUNDS. Called out of desperation XXXX XXXX   XXXX, and reported card. They did not want to cancel the card, but gave me another # to US BANK ... .but I insisted they kill this card. They did. Still say I need to report to US BANK ... ..the best wait time so far was 2 hours. I'm sorry but I have XXXX parent, and CAN NOT do this. Did call repeatedly, and finally put in the account # 's on automation line, and it identified owner of account ... '' .NEBRASKA ??? INMATE '' ... ..a prisoner???? So my identity is stolen. I have put freezes on credit ... .with one company asking for it by mail. I discovered another amount of over {$2000.00} on my credit, ( XXXX cell phone ) and I have a very high credit score, and this is not my bill. I have never owned a XXXX Cell phone. Have also contacted XXXX, but says I have to prove that it is not me. The " XXXX '' in my name is not the same. I have contacted my credit union to change all my account numbers. I am scared to death.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I purchased a vehicle through XXXX XXXX XXXX in XXXX. I authorized them to run my credit once. I now have several hard inquiries XXXX XXXX, XXXX and in XXXX XXXX, XXXX. The XXXX called me in XXXX to notify me that I needed to call the lender because the lender needed to conduct a survey because XXXX XXXX XXXX is having issues with the lender until I do the survey. I contacted the lender and did the survey, however now I see that XXXX XXXX XXXX ran my credit through XXXX more times without my authorization. I have my loan through XXXX XXXX. The unauthorized inquiries that are reflected on my credit report are through TD Auto Financing, XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, and COAF.
Complaint sub-issue: Other problem getting your report or credit score

On https : //www.annualcreditreport.com/ it says you can now get a free weekly credit report. I received my free weekly credit report from XXXX and XXXX. But for some reason Equifax will not give me a copy. I tired contacting them multiple ways but still no credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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