Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Earlier this year, about mid XX/XX/2019 my Equifax score dropped 50 points in one day. I have talked on many occasions`to customer service and supervisors about this pro blem. I can't get any answer as to why score took such a big drop. No one at Equifax can answer this question.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spent about an hour on the phone with XXXX  trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.
Complaint sub-issue: Debt was paid

I took a personal loan in the amount of {$15.00}, XXXX from the Lending Club in XX/XX/2020. Sometime towards the end of XX/XX/2020, I called a Customer Service agent of the company to obtain a pay off demand good through to XX/XX/2020 to be emailed to me. By XX/XX/2020, I had not received my requested pay off so I called the Customer Service agent again and requested to pay off my loan as of that date. I was quoted {$15.00}, XXXX if I was to pay my loan off by ACH. I agreed and authorized an ACH withdrawal in the amount of {$15.00}, XXXX from my checking account. 
After that date, I did not receive any correspondence to verify that my loan is paid off. In XX/XX/2020, I began to receive correspondence that I've have missed payment for XX/XX/2020. I called the customer service and was told that there has been a mix up and that I should disregard the letter. At that time, I requested a satisfaction letter but to no avail. In XXXX, I again, received a default notice letter and called again and was told that my matter is being escalated to upper management because I was quoted a wrong pay off on the date I paid of my loan which was not my fault. 
At the time of writing this letter, I am still receiving default letter and a derogatory information has been reported to the credit repositories.
Complaint sub-issue: Problem getting your free annual credit report

I have not received anything from Equifax in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over XXXX weeks. I need my consumer report and FAL report. I've been trying to reach out to XXXX, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter to all three credit bureaus about an account that I believed to be reporting incorrectly. I sent that letter via mail and still have not received a response back. I don't feel as I am liable for this debt due to the fact that it's not only reporting incorrectly but the bureaus are unable to provide me with anything on how this account was verified.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase XXXX XXXX game consoles from XXXX and XXXX XXXX game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( XXXX XXXX representative ) and I got XXXX  XXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.
Complaint sub-issue: Investigation took more than 30 days

Equifax - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

XXXX. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX  Equifax XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.
Complaint sub-issue: Problem getting your free annual credit report

On XXXX XX/XX/2020, I used the XXXX site to try to access my Equifax report. The challenge questions presented by Equifax in that process were all completely unfamiliar to me, as if someone else 's information had by comingled with my file. The Equifax site concluded by telling me I had to file by mail. 

On XXXX XXXX, I downloaded the Equifax form, and filed it, along with the required supporting documentation, by mail. 

On XXXX XXXX, I received a letter from Equifax demanding " additional information '' before they would fulfill my request for the report. The additional information requested was only that information that accompanied my filing of XXXX XXXX. 

Nevertheless, on XXXX XXXX, I sent a letter along with the requested additional ( duplicate ) information. I have had no acknowledgement or response from Equifax since. 

The same thing happened to me last year when I tried to get my report from Equifax. CFPB was able to help me on that occasion ; I am hoping you can help me again.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 XXXX 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 item from my file in accordance with paragraph ( XXXX ), 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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: Money was taken from your account on the wrong day or for the wrong amount

THE US DIRECT EXPRESS DEBIT CARD PROGRAM HAS STOLEN {$35.00} FROM THE ACCOUNT. THEY HAVE NO DETAILS BECAUSE THEY SHOW THE AMOUNT AS A PREVIOUS ACTIVITY FOR XX/XX/XXXX, BUT THE ACCOUNT WAS NOT ACTIVE UNTIL XX/XX/XXXX WHEN MY SOCIAL SECURITY MONEY WAS DIRECT DEPOSITED TO THE ACCOUNT ; SO THERE COULD NOT BE ANY ACTIVITY IN ARREARS AS THEY CLAIM. THEY ARE NOT SUPPOSED TO ASK ME FOR VERIFICATION OVER THE PHONE ABOUT ACCOUNT DETAILS BECAUSE I SENT AN INTERNAL EMAIL TELLING THEM TO GIVE THE MONEY BACK ; BUT THEY CLAIM THEY NEED ME TO VERIFY BY TELEPHONE. SOCIAL SECURITY AGENT THAT SET IT UP TOLD ME DO NOT GIVE THEM ANY INFO OVER THE PHONE BECAUSE LOG IN IS MY VERIFICATION. THEY WILL NOT PUT THE MONEY BACK INTO MY BALANCE TOTAL WITHOUT ME GIVING MY PERSONAL INFO OVER THE PHONE TO THEM. THEY ARE CONTRACTED BY THE FEDERAL GOVERNMENT AND HAVE SET IT UP TO STEAL. THE ON SCREEN TRANSACTION HISTORY TOTALS ARE NOT EVEN ACCURATE BALANCES AT THE TIME OF TRANSACTIONS PROCESSED.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Mortgage XXXX. XXXX  XXXX Oklahoma XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX Mortgage Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Add-on products and services

I currently have a US Bank XXXX XXXX XXXX  XXXX card, having opened the account in XXXX, XXXX. One of the benefits of this card is the car rental damage waiver. When I signed up for this card, I was given a card member agreement and a guide to benefits which mentioned this benefit. On XX/XX/XXXX, I rented a car using my XXXX XXXX card, after going over carefully the details of the rental coverage. I have liability insurance of my own, and as per the terms of this rental coverage benefit, I made sure to decline any damage waiver from the rental company and charged my full rental on my XXXX XXXX card. I caused some bumper damage to the car I rented ( on XX/XX/XXXX ). I then returned the car on XX/XX/XXXX, and the rental company didn't mention anything about billing me for any damages so far. The rental damage waiver conditions stated that I need to report any claims within 45 days. Even though I flew out of the country after returning this rental, I immediately called the benefit administrator to report the incident. I was shocked when I was told my account doesn't show up as being eligible for the rental damage benefit on his side. Since I had the card member agreement, I reached out to US Bank, and after a 3-way call, I was assured there was a 'mistake ' in adding this benefit on XXXX  's side for my card. I was told by the US Bank representative it will be added retroactively starting from my card open date, and I should call the benefit administrator in a week to file my claim. Since then, I have called XXXX  's benefit administrator multiple times, and every time I've been told that the rental benefit doesn't show up for my account. To make sure I was not making a mistake, I ordered a current version of the card member and benefits agreement for my card, and sure enough, the rental benefit was listed in the benefits. I am truly disappointed that the only time I needed to use the benefit I could not. So far I've spent about {$100.00} in telephone calls XXXX and have additionally needed to purchase rental insurance for subsequent rentals since I couldn't trust US Bank any more. In short, I've experienced significant monitory losses and more importantly, peace of mind for over a month, due to this negligence from US bank.
Complaint sub-issue: Information is missing that should be on the report

I have been steady paying back my student loans after they defaulted because of my old financial situation. however i got on a repayment plan and have been paying the loan back through a repayment plan for XXXX every month since XXXX of XXXX this has not been reflected on my report whatsoever. the same company which is sallie mae has the account although it has a status of charged off. If possible i would like the report to be wiped clean off my report or at least have them report my on time payments since XXXX of 2019
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchase XXXX {$500.00} visa prepaid cards from XXXX on XX/XX/2022 and i found the next day when i tried to use the card that the balance on both cards were zero. 

When i checked the card balance on the website, i found out that the card balances were completely drained via XXXX x {$250.00} transactions on each card at the same time at XXXX. 

i have tried calling XXXX at their number XXXX XXXX XXXX at least 10 times the last XXXX weeks and no one seems to answer beside the automated message informing they are busy with high call volume and " to call back later ''.
Complaint sub-issue: Trouble with how payments are being handled

I have a current principal balance of {$18000.00} on my student loans. 

I have submitted my XXXX ( Loan Repayment Form ) to XXXX XXXX XXXX on four different occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All occasions are documented and accounted for. 

At this time, XXXX XXXX with the Lead, Medical Incentives Branch ( DPAMM ) has not received the XXXX Form, which is necessary to pay my loan installment. My loans have been accruing interest in the meantime. 
Last spoke with XXXX XXXX Employee with reference number XXXX. She stated the from was expedited.
Complaint sub-issue: Old information reappears or never goes away

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Equifax and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Complaint sub-issue: Problem with customer service

I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information.
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Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter.
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Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXXBalance : {$4100.00} XXXX XXXXBalance : {$3400.00}
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT, XXXX  # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS. 

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.
Complaint sub-issue: Didn't receive advertised or promotional terms

On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

As of todays date, I have contacted EQUIFAX on multiple occasions regarding the accuracy of a bankruptcy listed on my Equifax Credit Report. On each occasion, Equifax continually states they have verified the Bankruptcy as accurate by using 3rd Party agency, XXXX. 

Therefore, Ive contacted the XXXX  District of Illinois Federal Bankruptcy Court where the bankruptcy was filed and they responded via letter, THAT FEDERAL COURTS DO NOT PERFORM ANY ACTIVITIES WITH CREDIT AGENCIES. To my understanding the sole provider with most accurate & verifiable information of this Bankruptcy is the presiding Federal Court. Therefore, Equifax can not verify any of the data involved in this Bankruptcy without the use of a 3rd party source such as XXXX, XXXX or XXXX XXXX who share and disseminate information whether it is verified as accurate or not. 

According to FCRA, that pursuant Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtors social security number along with their full name and address can be released. Furthermore, per FCRA, all Credit Reporting Agencies are required to conduct investigations of disputed items with Original Provider of the information in question, which in this case is the XXXX District of Illinois Federal Court. 

I formally request Equifax, to comply with the all federal laws by verifying the disputed information with XXXX District of Illinois Federal Court within the allotted time by federal law. If Equifax can not accurately verify and correct any and all errors this information, I l expect the disputed information to be completely removed in the most expeditious manner possible by DELETION from my file.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXXXXXX XXXX XXXX my name and I explained to them that it wasnt me because I already have two XXXX XXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Complaint sub-issue: Their investigation did not fix an error on your report

I personally mailed this letter to Equifax asking for proof of credit inquiries from XXXX, and XXXX and asked specifically for proof of these being accurate and they responded with a form letter in which they did not present any of the information requested. Their " investigation '' that inquiries are a statement of fact have no valid because they never showed proof of them. I have included a copy of the letter mailed to them as well as their response.
Complaint sub-issue: Account information incorrect

I have attempted multiple disputes with Equifax to have 4 accounts on old student loans remove from my report. Per the Department of Education loan rehabilitation program, upon completion, the old loans were to be removed from my report and the new holder of my loans replaced it. I have sent the letter to Equifax on 3 separate occasions asking for the accounts to be removed and they have not complied. 
It is ILLEGAL for Equifax to continue to report these accounts! I have enclosed a copy of the letter from the Department of Education instructing that the previous loans be removed from my report. Equifax claims to have " verified '' the accuracy of these loans, but this is not possible as other bureaus have already removed the accounts and there is proof that they have been instructed to remove the accounts by the original creditor.