Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I submitted a few disputes to Equifax and ask that they do a proper investigation into said items on my report and they accused me of using some kind of credit repair service like I am not capable on writing my own complaints through the CFPB. 
I have never ever used any kind of credit repair service and I never will. 
So please stop with the stall tactics and do a proper investigation into my disputed items. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 2. XXXX/ XXXX . - 3. XXXX DO A PROPER INVESTIGATION
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX was opened XX/XX/XXXX but none of the payment history from XXXX XXXX XX/XX/XXXX is provided. Please provide full payment history. 

US Bankruptcy Court # XXXX is missing the full docket number and the city and the state of the court. Please provide full docket number and court information. 

XXXX XXXX # XXXX the entire payment history is missing.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am constantly trying to unfreeze my Equifax credit report and constantly get the run around saying they are unable to unfreeze because they need my drivers license and social security card. 
I have faxed and mailed by documents numerous times and Equifax states they are either unreadable or the mail got lost. 
Equifax has also been unable to add my birthdate to my credit report as I have requested this on numerous occasions. 
I am also unable to retrieve my credit report online and can not get my annual free credit report. 
I am also unable to unlock my Equifax credit online. 
By law I should be able to get my annual credit report and unfreeze my credit report at anytime. 
I am attaching a copy of the letter I sent to Equifax, drivers license and ss card.
Complaint sub-issue: Problem getting my free annual report

I tried to get an annual free credit report from Equifax they denied it to me demanding I send in several other documents including social security card proof of paycheck with address and a driver license. First of all social security XXXX for social security withholding taxes and benefits has NOTHING to do with Equifax and they should not even have it! Second employer information has nothing to do with credit. Third driver 's licenses are for driving a car they have NOTHING to do with credit. This was yet another egregious violation of my rights and demands for personal data to collect on me. In additon I am not even seeking credit but yet again I was denied service because of an error in an Equifax credit report. THIS HAPPENS ALOT! I am FEDUP with being held hostage by these companies and demands. As a victim of MULTIPLE data breeches including the latest ones by the XXXX XXXX XXXX XXXX of the U.S. government I am not going to turnover even more personal data that Equifax has no right or need to know. I have gone out of my way to not have things put in my name so that data can not be breeched and credit companies can not collect and sell information on me. Right now they do n't have my current address and I want it that way and I have a right to have it that way. I expect as a TAXPAYER for the CFPB to do something now about this!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.
Complaint sub-issue: Investigation took more than 30 days

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to Equifax being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, XXXX XXXX, and any other actual damages caused as a result of the failure.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A ( Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Fraudulent loan

There is an administrative fee added into the amount financed, which is improper and will result in interest being charged on the administrative fee amount over duration of the loan. For this reason I am rescinding my signature on the contract. This error is in violation of US Codes on Consumer Credit Transactions.
Complaint sub-issue: Debt is not yours

Discover representative named XXXX XXXX XXXX in XXXX XXXX XXXX in 2019 ignored all my voicemail messages over the time I contacted her this year and I again gave up dealing with resolving the fraudulent balances that remained with Discover. Discover needs to clear out the remaining balance as I do not owe the debt. The interest and fees charged are not valid. This experience has been unsatisfactory in trying to handle the fraud that occurred on this account.
Complaint sub-issue: Other problem

Discover is now requiring all credit card customers to link any Discover bank accounts with their " single login ''. I do use online access for credit cards but I never use online access for any banking. Why? Because the risks are so different. It is useful to check merchant actions to the credit card and my risk is limited to {$50.00} by statute. There is no limit to risk with on-line banking and the convenience over paper is minimal.
Complaint sub-issue: Reporting company used your report improperly

I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX  Acct Number XXXX, XXXX XXXXXXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Investigation took more than 30 days

I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus XXXX is reporting XXXX XXXX acct # XXXX Equifax is reporting XXXX acct # XXXX This information is incorrect and should be deleted by the remaining bureaus
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I contacted Discover to advise me about a purchase made with their card, to the company XXXX XXXX, because I was not satisfied with the merchandise. They told me to contact the supplier to try to resolve the situation. I contacted him and asked him to return the money and send to pick up the merchandise. 
On XX/XX/2018, Discover sent me a text message, related to a transaction I was making with my company card. The same was referring to the remaining payment of the merchandise mentioned above, with which I was not satisfied. I called Discover to avoid them processing the transaction, because I had not authorized it. After explaining the situation of that transaction and having talked with two different people, nothing was resolved and the transaction was not canceled. I put the two transactions on dispute but Discover fails against me.
Complaint sub-issue: Debt is not mine

This debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX
Complaint sub-issue: Personal information incorrect

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax by mail on XX/XX/2018 and XX/XX/2018. I requested verifiable proof of the original signed consumer contract bearing my signature to verify that the information is mine and also correct. Instead, Equifax opened up disputes each time in which I did not request and stated that the accounts were updated and verified. I also requested to know who and how were the accounts verified in which I received no response. When I contacted Equifax via phone I was told that I could find the information of the creditor on my credit report and to contact them myself.
Complaint sub-issue: Debt is not yours

An account from Jefferson Capital Systems for {$590.00} called XXXX  XXXX was added to my credit report that is not mine and I would like it to be deleted.
Complaint sub-issue: Account information incorrect

I requested debt validation from Equifax about an account that is reporting inaccurate information on my credit report. XXXXXXXX XXXX ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

With regard to the Data Breach at Equifax I was wondering if you could confirm a few points?

1. Does Equifax have to notify every persons whose files have been compromised?

2. Does the fact that Equifax made a public announcement negate their responsibility to notify individuals.

3. I believe my Data has been compromised ( using the Equifax website to check ), does this now give me free access to the other two Credit Reporting Agencies for a year?
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2018 I applied for a credit card with XXXX XXXX XXXX. The next day they contacted me and asked me to lift the security freeze on my account. I never placed a freeze on my account and this has happened numerous times in the past.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX 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
Complaint sub-issue: Account status incorrect

I received an alert on XX/XX/XXXX from XXXX  that there was an update to an credit card account on Equifax. The comment on the account read, " Collection account. Affected by natural disaster. Variable/Adjustable rate ''. I immediately called the credit card company and they assured me that there is nothing on my account that would warrant that comment. Also, that they did not send any comments of that nature to the credit bureau. For the past week and a half, I have been contacting Equifax. Every time, I am told that the system is down or experiencing a system update. That I have to call back in an hour, two hours, or the next day. On XX/XX/XXXX, I spoke to a representative and she informed me that as soon as she was about to submit the dispute that the system went down and call back in 30 minutes. Today I spoke to an representative at XXXX XXXX PCT and was told that I had to call back in two hours because the system is experiencing an update. This comment is negatively affecting my credit as it stating that my account is with a collections company. Of course, there are no collections on my report but it seems as if the credit card has been sent to one. This account has never been late nor placed in any type of program for any natural disaster or anything of that nature. Also, you can not submit a dispute online because when you get to the end and are ready to submit, the system is " experiencing an error '' and it can not be processed.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX )
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Complaint sub-issue: Debt is not yours

Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.
Complaint sub-issue: Account information incorrect

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with Equifax on XX/XX/XXXX for the account, stating that the account does not belong to me. The account has not been removed my credit report.
Complaint sub-issue: Other problem getting your report or credit score

Lenders are not able to pull my credit from Equifax. I have spoken to them by phone 8 times in the last thirty days. Two lender were unable to get my Equifax credit score. I contacted Equifax and they advised there is no hold or freeze on my account. I faxed them all the information to verify my address and name. Call them on the phone is no help they just repeat the same thing. 

Equifax is ruining my life. I need a loan to get my work truck fixed so I can earn income. Yesterday XX/XX/2021. I received mail from Equifax saying there is no fraud alert or active freeze on my account. so why cant lenders pull my Equifax credit?? They don't care. If you ask to speak to a manager they put you on hold for 45 minutes. I would like to file a complaint. Attached is a copy of they letter they sent me. If I don't get this cleared up I will lose my business. 

XXXX XXXX XXXX XXXX