Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The scope and nature of this complaint regards the negligence ( willful or otherwise ) of Equifax not deleting two public records on my Equifax credit report : A XXXX Ch. 7 bankruptcy and a released and satisfied Federal tax lien judgement. Following proper dispute procedures with Equifax for several years now, ultimately culminating in a small claims judgement against Equifax that resulted in a default judgement against Equifax for non-compliance with the courts by not providing signature proof of both records, Equifax eventually paid its fine to me as the Plaintiff through its Litigation Department, yet never deleted the public records per the judgement and court case against it. The following is a bulleted timeline of disputes : -- First dispute of bankruptcy record,XX/XX/XXXX ( online, requested verification ) -- Equifax responded within 30 days,XX/XX/XXXX( reported " record is verified '' ) -- Second dispute of bankruptcy record,XX/XX/XXXX( Certified letter requesting validation ) -- Equifax responded within 30 days,XX/XX/XXXX ( reported " record remains on report '' ) -- CFPB complaint filed,XX/XX/XXXX, regarding Equifax refusal to comply with requests to provide signature proof validation and verification per laws within the FRCA -- CFPB returned response from Equifax, XX/XX/XXXX, reiterated that both records had already been verified previously and were " accurately reported by Equifax in accordance with the fair credit reporting act. '' However, Equifax never provided the CFPB nor myself any signature validation and verification proof of these records. -- Warning letter sent to Equifax regarding possible legal action in small claims if it does not provide signature validation proof of records, XX/XX/XXXX ( Certified letter ) -- Small claims action filed against Equifax and its statutory agent in local court, XX/XX/XXXX, regarding refusal to delete bankruptcy record and a Federal released tax lien record -- Failed to provide courts evidence of proof of validation and verification of both records, XX/XX/XXXX -- Affidavit for judgement against Equifax as a Defendant filed with courts, XX/XX/XXXX, for {$1700.00} -- Judgement for Plaintiff awarded,XX/XX/XXXX -- Demand letter to settle the judgment and remove records from credit report sent to Equifax Ceo and its Statutory Agent, XX/XX/XXXX ( Certified Letter ) -- Equifax Litigation Department settles its financial judgement,XX/XX/XXXX -- Equifax notified to remove bankruptcy and released tax lien records from credit report post its loss in small claims court, XX/XX/XXXX ( Online dispute ) -- Equifax responded within 30 days with " records have been verified and updated, ''XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

Equifax inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.
Complaint sub-issue: Problem with personal statement of dispute

Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies Equifax and XXXX. The inquiries are as follows : Equifax : XX/XX/202XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

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

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

I sent my letters off XXXX and XXXX of XXXX  telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNAUTHORIZED INQUIRIES THAT DONT BELONG
Complaint sub-issue: Information belongs to someone else

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted 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 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: 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 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 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: Other problem getting your report or credit score

in XX/XX/2019, I signed up to put a freeze on my Equifax credit account to prevent fraud. 
Today, XX/XX/2019, I contacted my phone company to add service. They asked if it was OK to check my credit report, using Equifax. I said fine, but I would need to sign in and temporarily unfreeze the account. 
When I went to the " XXXX '' website and signed in with my email address and password, the site responded with an error message, stating to call the customer service number. 
My first call was transferred 3 times, then after 24 minute was disconnected. 
My second attempt, I was routed to and " American agent '' XXXX, who said he would correct the issue. After 53 minutes, he told me that my account does not have enough lenders information to authenticate me, and that I would have to send, by mail, photocopies of my driver license and SS card for authentication, then wait a week or two before Equifax would respond. 

He also told me that it would not help my future attempts to access my account after 30 days, and that I would have to, again resubmit the same information, then wait again for week or two before Equifax would respond. 

Equifax has had an account on me for 32 years with impeccable credit. ( XXXX score ) I have no debt, no car loan, and no mortgage. I have 4 active credit cards paid in full monthly, with NO carried balance. I owe no-one and have no lenders. Other than my credit cards, my residential utilities are all I have as monthly dues. 
These are all listed on my credit history with Equifax. 

The CSR, XXXX, told me, that the only way for me to be able to be authenticated was to have lenders reports in my history and that I needed to take out some loans. He said that, In order for me to access my account ( to enable and disable a freeze ), I have to generate debt. I have worked all my life ( XXXX years old ) to get the monkey off my back, just to have this CSR tell me that the only way I can be authenticated ( to be able to manage my account ) is to take on debt. What kind of XXXX XXXX is that? 

So I am unable to log in to unfreeze the account so the phone company can process the order. Neither was XXXX able to do it. 

With the letter and documents he instructed me to send, It will still take a minimum of a couple weeks, then it will only be good for 30 days.
Complaint sub-issue: Other problem

Have not received Trip Delay Protection from Citi-Advantage/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX in a timely manner. 

I made a claim for trip delay protection from XXXX  XXXX XXXX on XX/XX/XXXX for a total {$340.00} to be paid by check. 

I have not received {$340.00} by check as of XX/XX/XXXX. My account was erroneously credited for {$310.00}. 

I've made several attempts to correct the issue with XXXX  XXXX XXXX and I have not been able to resolve either the issue of the missing {$30.00} per their guidelines nor the issue of receiving a check as stipulated in my original application. 

The guidelines stipulate " Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination ''. I did not arrive at my scheduled final destination until the next day.

Attachments : Guide, portion of claim indicating " mail me a check '' selected. ( signed original available upon request ) =========== from Citi AAdvangage Your Guide to Protection Benefits : page 10 .

Trip Delay Protection How Long are you Covered? From Trip Departure Date to Trip Completion Date.

Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination.
Complaint sub-issue: Old information reappears or never goes away

They were included in bankruptcy and not sure why but also they are closed due to consolidation and show on report multiple times and need to be removed
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax consistently shows my credit scores at least 23-30 points lower than the other two agencies reporting scores. XXXX shows XXXX, XXXX  shows XXXX and this creates large problems for me when people look at my credit scores. I have been given bland, hard to understand answers from other people as to why they do this. I have heard from friends who experience the same problems of them showing lower scores. I just want them to show consistent scores like the other agencies and stop putting my scores at the bottom. This is totally discriminatory and causing me problems. 
I never liked this scoring issues to begin with, it pits you up against wealthy people and upper class people, I am struggling to clean up my record and they are hurting my chances in doing this.
Complaint sub-issue: Trouble getting, activating, or registering a card

I believe I received an EIP debit card in a white envelope and put it in the trash as junk mail. The IRS website stated that the payment was sent out the week of XX/XX/2020. But we ( my wife and I ) have not received any payment from the government but may have received, as I recall, a unsolicited envelope from Money Network. Money Network would not reissue or replace the lost Economic Impact Payment ( EIP ) debit card or advise whether the card was issued without providing a social security number even though we had to provide a portion of the SS # to gain access to a representative ; they insisted on the full social security number for identification purposes or to even look up information. This practice is in violation of FTC 's instructions, as well a federal law, on its secure website that specifically states " Dont give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint which I did. I am reporting the company for violation of scamming, attempting to scam, requiring a social security number as a form of identification and as a scam intended to steal money issued under the stimulus payment Economic Impact Payment program. We are unable to obtain any information regard the EIP payment or debit card. We are unable to collect the stimulus money issued to us because of the corrupt practices of the company. I am unable to assess whether the card was issued, the status of the card or any other information other than the IRS website stating the the money was sent XX/XX/2020. This appears to be an attempt to retain money issued under the EIP program by the company. The amount involved is the reported {$2400.00} that would have been issued under the EIP program. Without addressing this issue the potential is {$100.00} 's of millions or more will be lost by people unable to obtain and unknowingly lose their EIP payments as a result of this company and the failure of the government to adequately inform people that they were issuing EIP payment by a third party and to be aware of this issue.
Complaint sub-issue: Deposits and withdrawals

Im trying to connect my PNC bank account to two apps. Which one is called XXXX and the other XXXX. Its telling me my bank made changes and cant connect my account to the apps.
Complaint sub-issue: Trouble with how payments are handled

Hello, American Education Services acquired my private school loan from XXXX bank about a year ago. I have been making my monthly payments through automatic debit ( which provides a slight decrease in my apr and defaults to the amount that they expect to be due ... even if I pay ahead it 's always a specific amount ). I recently realized that breaking my payment into bi-weekly payments would help me pay off the loan sooner and with less interest. 

I contacted AES and requested that my automatic debit amount be changed. I first requested that it be taken out bi-weekly but they said they ca n't do that. I then requested that they only take out the half of the payment when they process it then ( so keep the auto debit but have it be half the amount ). And then I could go in and enter a manual payment for the rest. They said they ca n't do that. 

In no other industry have I encountered a company that wo n't let me automatically debit the amount that I request. This is unfair business practices because in order to make the payments as I would like I need to cancel the auto-debit and make the payments manually on my own which will lead to me losing the apr benefit that I am getting with auto debit. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy # XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX stated once current on payments, all late payments would be removed from credit file. Company continue to furnish improper information on credit file according to FCRA Guidelines.
Complaint sub-issue: Debt is not yours

I.C systems is trying to collect debt of {$900.00} from me for a medical bill they claim I owe. I previously wrote a letter demanding that they comply with the fair debt collection practice act and fair credit reporting had this removed from the credit report and it continuously get placed back on my reports. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Complaint sub-issue: Information belongs to someone else

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 XXXX credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 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 XXXXXX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed inaccurate inquiries on my report and I would like these removed. 
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: Account status incorrect

What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/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 Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Complaint sub-issue: Account information incorrect

When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.
Complaint sub-issue: Information belongs to someone else

I have been writing to XXXX and Equifax since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX, I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but XXXX and Equifax still refuse to remove the charge from my credit report.