Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX, I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success, the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee, I did a payment just for {$24.00}. At that point the website was still " under maintenance ''. After some hours on the phone they realized that I did n't have an " online account '' even when I do. They explained me that the new card with the chip is considered a new and different account, so I had to create a new online account for that, but they never sent me any information about it. Despite they assumed the responsibility, my score credit dropped more than XXXX points and I called XXXX XXXX again, they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$28000.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$630.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$630.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 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 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

XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C. 1681 A number 3. States Equifax assumed this role without my permissions, not only that but also did not have my consent. Equifax did not respect my right to privacy which is under 15 U.S.C. 1681 A number 4.
Complaint sub-issue: Public record

Equifax is reporting some public record of a judgement of {$7000.00} on my credit report. This is not mine and should be deleted. I have submitted a dispute with Equifax about this but, it still appears on my report.
Complaint sub-issue: Company closed your account

My account got closed over 6 months ago. Discover says I don't owe them any money but whenever I ask the usually very nice customer service reps why my account got closed or if I can open another one they turn into ice cold emotional robots spewing out the same company policy line. 

I feel like I have a right to know why my account was cancelled. I did a lot of business with them and I feel like this is unacceptable
Complaint sub-issue: Account information incorrect

I submitted dispute and keep getting denied all these accounts are not mine there fraud all the inquired are not mine
Complaint sub-issue: Information belongs to someone else

I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors
Complaint sub-issue: No notice of investigation status/result

I filed a dispute with equafax regarding a tax lien and a medical bill. Both are paid and tax lien is reported released. However, the medical bill should of never been filed as collections because notice was never sent out to me telling me my insurance did not pay all of the bill. It was preventive care with a copy and insurance always pays 100 % for preventive care along with copay. As for the tax lien it was paid and it took over a year to get through the right person to show paid and released. The state of Ga revenue office had to file with the county that issued the lien and back and forth with paper work that took over a year to get them to send documents to eachother. Which resulted in incorrect dates showing when it was paid. I disputes several times and only got back completed results showing the debt was mine. I did n't iniate a dispute because of that. I iniated a dispute over information wrongly reported to credit agencies. I want the investigation process revealed to me and XXXX XXXX and XXXX XXXX to show that they did inform me of such money owed to them before sending to collection.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2021
Complaint sub-issue: Account information incorrect

This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX  XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}
Complaint sub-issue: Account status incorrect

Despite the fact that I have disputes them countless times at Equifax, and also have filed numerous complaints with XXXX University, they continue to report the status of my two loans as actively 120 days delinquent. These two loans have actually been closed for nearly four years by now. They are doing this maliciously, so that these accounts will suppress my credit scores more than they should. The Fair Credit Reporting Act promises that all individuals can have an accurate credit report. But XXXX University continues to violate my federal rights by reporting my accounts as 120 days late, as opposed to closed 4 years ago. And furthermore, Equifax is also complicit in allowing this falsehood to continue. The account numbers in question are XXXX and also XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information is missing that should be on the report

XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax .... And they also removed both XXXX Credit Card Account from my report, and have not added them back even after documentation was sent in verifying the account and that the institution was and still is reporting both accounts to them.
Complaint sub-issue: Their investigation did not fix an error on your report

This was fraudulent accounts open in my name i contacted the original creditors and i was told they did not report this to Equifax on XX/XX/XXXX XXXX i wrote to equifax to have these fraudulent accounts removed on my credit. they wrote me back saying these accounts came back verify as mine? 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$61.00} Amount {$61.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  PA Date Assigned XX/XX/XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Complaint sub-issue: Account information incorrect

Equifax I has violated my consumer rights causing me stress and financial injuries Equifax violated my consumer rights under 15 USC 1681b ( 2 ) I never gave Equifax any written instructions or any consent to furnish information on my consumer report or furnish a consumer report on my behalf Which is IDENTITY theft pursuant to 15 USC 1681c-2 They have have also in violated 15 USC 1681n civil liability for willful noncompliance by furnishing information on a consumer report on my behalf causing me stress and financial injuries and also committing fraud
Complaint sub-issue: Information belongs to someone else

Hard inquiry was done and I did not authorize
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On  XXXX / XXXX /  XXXX   @  XXXX  i activated a transfer to  XXXX   XXXX  Ban k in  the amount of {$400.00}. As of the date of this complaint, the funds have not been received. I spent  two h ours on the Phone with  XXXX   XXXX  who would not assist me in researching the wire because I was not a customer of the bank. After speaking, with the  Card Servicer, it was identifi ed by  XXXX  the supervisor  that " Unforutnately it  was a manual wire done online and can not be tracked by the card servicer '' Please help me resolve this and get my money back.      XXXX
Complaint sub-issue: Personal information incorrect

Contacted Company on XXXX XXXX to inform them my information is incorrect. Name and Address on my license should match my credit profile.
Complaint sub-issue: Investigation took more than 30 days

Equifax is not taking credit card fraud if XXXX CREDIT CARD for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXX credit card for XXXX off my account and XXXX creditcard with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.
Complaint sub-issue: Reporting company used your report improperly

According to its website, Equifax 's recent cybersecurity breach resulted in the theft of my personal information. As best I can tell, the hackers have gained access to my name, address, social security number, date of birth, and possibly other personally identifying information that would be useful for identity theft. I have placed an initial 90 day fraud alert on my credit report, but there is little else that I can do at this point to prevent identity theft.
Complaint sub-issue: Information belongs to someone else

The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}
Complaint sub-issue: Problem getting my free annual report

I ca n't get my free annual credit report and it 's asking about mortgages which I never had.
Complaint sub-issue: Other problem

After years of having my discover card they closed my account in XX/XX/2021. This was my oldest account and therefore it brought my credit scores down significantly. They stated that they had closed my account because 4 years ago I used XXXX XXXX XXXX to pay off some other creditors i owed when I was unemployed. They were not even included in the relief. 4 years later, out of the blue, they stated that was the reason and referred me to the complaint department if I had an issue with it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Funds not handled or disbursed as instructed

On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.
Complaint sub-issue: Their investigation did not fix an error on your report

My lease XXXX XXXX was in accident on XXXX XXXX, 2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with XXXX XXXX loss department. They issued a payment check to XXXX for the lease car ( XXXX, 2018 ). XXXX then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XXXX of 2018. I started receiving phone calls from XXXX around Mid XXXX. of 2018 re their resolution result. I never received any letters from XXXX re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX  balance. I contested the XXXX GAP insurance payout because it was incorrect ( because XXXX had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. XXXX GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two XXXX GAP customer representatives around early XXXX. 2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process XXXX prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XXXX. XXXX, I received a call from the collection agency saying that I owed XXXX XXXX. I was extremely angry at which point I told the debt collector I will call XXXX to resolve this because my GAP insurance claim is still being resolve with XXXX and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called XXXX who then said that they are no longer responsible and did not help me except to say resolve it with the collection agency. By the end of XXXX. ( maybe early XXXX. ), XXXX GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XXXX. XXXX. XXXX XXXX has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my XXXX GAP insurance claim process. This account was paid and finalize in less than 2 weeks from XXXX GAP insurance GAP claim completion.
Complaint sub-issue: Account status incorrect

I have paid off a collection account with XXXX XXXX on XX/XX/2019. I settled the account per agreement with the collection agency. The sent me a release of debt letter and also filed a request for deletion to the 3 credit reporting agencies. The account was removed from XXXX and XXXX, but still remains as an open account on Equifax. I have made multiple contacts with Equifax and filed disputes. I have contacted the collection company multiple times and the stated that they have sent the request and all other documents to Equifax. As of today, XX/XX/2019, Equifax still shows an open collection account for XXXX XXXX and have stated the account is accurate and has not been paid. All they tell me I can do is file a dispute again. I have talked to two Equifax representatives that stated they did receive the deletion request and it would take 30 days for the account to fall off my report. They stated it was XX/XX/2019 that they received the request to delete and it would be off by XX/XX/2019. When I called on XX/XX/2019, I was told that they have not received any deletion request and the account is not paid off. They told me to contact the collection agency myself and ask them to send the request electronically. I made the phone call to XXXX XXXX and they stated that they have submitted the request already and have been having problems with Equifax with other clients as well. I can not speak to anyone that seems to know what's going on at Equifax and keep getting different answers with no help or results.
Complaint sub-issue: Account terms

I had a car loan through XXXX XXXX XXXX ( XXXX ). In XXXX 2011, we had a major hail storm hit our area and car was totaled out by my insurance company. XXXX still has on credit reports that I owe $ 3k. I have sent over a copy of the check from my insurance company along with where they released the title. Credit report states they still say I owe the debt, but sent no proof. I finally talked to someone at XXXX and they were like a " loan shark '' if I pay a certain amount they will take it off. I said " NO '' send me proof I owe it and he would n't. They stated maybe it was from late fees, I asked them why they would let $ 3k it late fees rack up with out repossessing, then they changed it to maybe it was when I XXXX got the car and two days later it broke down and they helped me get it fixed, I advised them that that service was offered to me and no one said I had to pay that back and please send me proof of where they paid that amount to XXXX XXXX XXXX, and he said he did n't have it. I would like this removed from my credit report ( all XXXX agencies ) since they are not willing to provide any valid proof that I owe this debit. Please let me know if you need any further information.
Complaint sub-issue: Inadequate help over the phone

I keep an eye on all XXXX because I 'm in the process of buying a house. After monitoring my credit profile with all XXXX bureau, on XXXX XXXX I check my Equifax report everything was fine, I rechecked it on XXXX XXXX my score fell XXXX points without any negative activity whatsoever besides making all my payments on time and all balance decrease. After speaking with XXXX representatives they said theres NOTHING they can do about it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CBNA called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.