Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

XX/XX/2017 I reached out to XXXX XXXX XXXX XXXX concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
Complaint sub-issue: Seized or attempted to seize your property

XXXX XXXX XXXX is attempting to seize my property on a debt that they can not validate nor verify. XXXX XXXX XXXX has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
Complaint sub-issue: Problem with product or service terms changing

XXXX was recently hacked, losing the credit information of millions of Americans to hackers. They published a poorly encrypted website wherein one could check to determine whether their information was compromised. The link was http : //www.equifaxsecurity2017.com/. This link was widely disseminated on news websites, including prominent distributors such as the XXXX XXXX XXXX and XXXX. I accessed this website on XXXX/XXXX/2017 to determine if my data was compromised. The structuring of the site ultimately leads you to a link to click to check for potential compromise of your information. This then leads you to a page where you input your last name and the last six digits of your social security number. Apparently after entering this information, you are told if you are affected, not affected, or are told to come back on a later date. I received the message to return at a later date. Nowhere did it obviously ask me to opt in for any service or waive my right to sue thereby agreeing to arbitration. However, it appears they passively included this information in their terms, which seems to be a deceptive effort to trick consumers to waive their rights. This seems unacceptable to me for several reasons. 1 ) Equifax is at fault for failing to secure consumer credit information that they gather and archive without any assent or consent of the individual 2 ) They failed to disclose this information to consumers in a timely manner 3 ) They published a poorly-protected website seemingly to lure concerned consumers to check if their own data had been compromised rather than reaching out to share this information with affected parties 4 ) They buried a legal protective mechanism in this new site whereby consumers waived their right to sue in order to determine if the information gathered about them without their assent had been compromised. This mechanism was not actively brought to the attention of the consumer as they navigated the site.
Complaint sub-issue: Problem accessing account

I received a brand new phone last week on Wednesday ( XX/XX/15 ) and logged in via my phone to my Cash App ( The payment transfer app from Square ) using my phone number. I believe that the system locked my account because it was a new device that they did not recognize so I did not think it was a big deal so I simply submitted a support request to have them unlock my account. This was submitted on that same night. 

Thursday morning a customer support agent emailed me from Cash App asking me 6 different questions to unlock my account. I immediately replied to the email with all of the information that they asked for within minutes and have yet to hear back from them. All of my money ( {$4100.00} ) is in that account as they tote their direct deposit capability and encourage people to keep their money in their app and I can not transfer it to my XXXX bank account or get ahold of someone on the phone to verify that it is me so that they can unlock it. Have tried contacting them via eMail, social media and even adding their customer support representatives on XXXX but haven't received any responses.
Complaint sub-issue: Debt was paid

I disputed all 3 in XX/XX/2022, if I am correct. AMERICOLLECT Last reported XX/XX/2022 {$1300.00} Open balance XXXX XXXX XXXX  Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$1000.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$500.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) A new federal law, the No Surprises Act, protects you from : emergency out-of-network medical bills including air ambulances, and non-emergency services at an in-network facility. 
It applies to self-insured health plans offered by employers as well as health insurance companies that offer fully insured individual and group plans. 

A facility ( such as a hospital or freestanding emergency room ( ER ) ) or a provider ( such as a doctor ) may not bill you more than your in-network cost sharing amount for emergency services, without requiring prior authorization.
Complaint sub-issue: Need information about your loan balance or loan terms

I had two Citibank private student loans opened on XX/XX/XXXX, and XX/XX/XXXX. I was paying the loans until I was laid off from my job and without income around XXXX when I ended up filing for Bankruptcy. I explained I was not working but they would not reduce or stop the payments. The loans were closed on XX/XX/XXXX. The original loan amounts were {$3500.00} and {$6500.00}. My remaining balance owed was {$2000.00} and {$3800.00}. The amounts being reported on my credit report every month are $ {$6500.00} and {$12000.00}. I wanted to see how I could fix this but the information on my credit report for the address and phone number for the lender is XXXX XXXX. When I called XXXX XXXX they said that they no longer have my loans because Citibank took them back on XX/XX/XXXX. They gave me three numbers for Citibank. I call these numbers and each time I was told they don't handle student loans and they would transfer me to another department. I was then transferred back to XXXX XXXX to another agent who said they don't have my loans and she gave me the same numbers back to Citibank. How can XXXX keep putting these amounts which are way more than I even owe on my credit report each month if they don't even have the Citibank loans? I have no way to resolve this as Citibank also says they don't service the loans anymore.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX Retail Card Services mischief . 

On XX/XX/2021 Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. 

XX/XX/2021 + XX/XX/2021 Equifax represented internal review was completed that on XX/XX/2021 has been initiated. When the furnishing company provides their findings, we will send those results to you. 

On XX/XX/2021 as Equifax had clearly demonstrated on XX/XX/2021 + XX/XX/2021 no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX {$130.00} XXXX  XXXX {$60.00} XXXX  XXXX {$73.00} XXXX   XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX   XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX   XXXX {$790.00}
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today, is the third day that I have tried to reach Equifax regarding their " conclusion '' regarding a dispute on my credit report. I received a notice from them on XXXX-19 by email with a confirmation number. It said that I could get the results on line or in the mail. I tried several times on line and was told to call to " verify '' my personal information. When I call on the phone, I get people that do not speak good English, are apparently in a foreign country, and they want all of my personal information to talk with me. How do I know I am not exposing myself to identity theft ... AGAIN? Their website will not give you access through a variety of browsers, you can't get any help on " chat '' and the only alternative is to talk to some stranger who may be stealing your  information. Why doesn't the CFPB just close down these NIGHTMARE companies? They are horrible to deal with and could care less about the various fines and lawsuits that are filed against them. Equifax has erroneous information on my report that I am trying to get corrected and I have no idea what is going on with that. If I want to find out, I have to BUY my report, otherwise ... oh well? According to " chat '' and whomever these people are in other countries answering their phone calls, they are having problems with their website and we're supposed to work with them on the phone. Really? Our government has no control over what these people do overseas! How can they get away with this? Can you intervene? I would strongly support closing all three of them down ... they're awful and out of control! You can't get your information, no control over erroneous information, and are always at their mercy. This is very unAmerican. Thank you!
Complaint sub-issue: Information belongs to someone else

XXXX is reported on my XXXX, Equifax, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and Equifax in error. I have also disputed with XXXX and Equifax with no results. Please remove these incorrect items.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft, me and my son revised my credit and there are things that are not mine please help me delete them
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

Discover clearly stated that when the account was revoked, the {$600.00} deposit was applied to the balance, resulting on an ending balance of XXXX. I do not owe the amount they continue to reflect on my credit report and it has hindered my ability to get new credit.
Complaint sub-issue: Reporting company used your report improperly

I found out that Equifax was recently struck by a cyberattack that resulted in a security breach of personal information. Upon going to their website and filling in my information, it was mentioned that I could be impacted by this breach. I am extremely worried about the potential for identity theft from this incident.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX, I applied to XXXX XXXX XXXX XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my Equifax and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX  and Equifax thru XX/XX/XXXX and confirmed that there was no freeze on XXXX XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and Equifax, before my temporary lift expired, and again confirmed that there was no freeze at XXXX I asked XXXXXXXX XXXX again to pull my reports. They continually say they can only pull XXXX On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called Equifax, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX  is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX where my score for mortgage is showing as XXXX. XXXXXXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that XXXX can not access, at XXXX. Meaning my Equifax score is also higher. Because XXXXXXXX XXXX can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Complaint sub-issue: Account status incorrect

ON XXXX/XXXX/XXXX I called XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date of birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XXXX/XXXX/XXXX. First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX. If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA violations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again XXXX XXXX remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX, EXQIFAX, XXXX ) it 's  damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, Equifax and XXXX  have all been sent legal documents about a collection account on my credit report from a bail bond agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.
Complaint sub-issue: Information is missing that should be on the report

I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.
Complaint sub-issue: Debt is not yours

ALLY FINANCIAL is reporting a negative account with a balance that does not belong to me on my XXXX  Credit Report. They are intentionally violating my consumer rights by continuing to report this account under my name while they were informed it does not belong to me.
Complaint sub-issue: Debt was paid

Debt has been paid and closed through KeyBank. For some reason it has yet to be removed from XXXX