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

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
Complaint sub-issue: Reporting company used your report improperly

Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX XXXX XXXX, however it was 6 other hard inquiries : 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 ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX  ( Finance ), has violated my rights. 
XXXX XXXX XXXX Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX Bank 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

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/2021
Complaint sub-issue: Problem accessing account

I tried to link my account and then it said I couldnt link my account
Complaint sub-issue: Didn't receive enough information to verify debt

I have an account on my credit report from a company named " Accounts Rec Solutions '' which is also know as " AR Solutions ''. They have continued to report an account on my credit report that I have no knowledge of nor have they been able to provide specific information relating to me being the original account owner. They only respond " the account has been verified ''. I have asked for them to provide documentation relating to the verification however they have refused to this point. I have NEVER been to the account they are collecting for. I have asked them to remove the account on a number of occasions and they have refused to do so to this point. 

They have been reporting a collection of {$330.00} since XX/XX/2016. 

The contact information for the creditor in questions is ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I monitor my credit report using XXXX XXXX. While checking the collections section of my report on XXXX XXXX, I discovered a collection agency was incorrectly reporting on my credit file. I filed a dispute to have the collection removed with Equifax in XXXX 2015. The investigation was completed in XXXX 2015. The company was removed but I never received any documentation from Equifax confirming the date of removal. I only realized that it was no longer reporting on my XXXX XXXX account. 

In the same month the company re-appeared on my report in XXXX XXXX as an unpaid collection to Equifax only. I thought maybe it was an error and would be corrected on it 's own. The account was still showing on my report in XXXX 2015 so contacted the collection agency. They told me to dispute the collection again with Equifax because they did n't have any record of my file in their system to remove. I contacted Equifax to dispute the file and the customer service representative never submitted my dispute request. 

In XXXX I realized the company was still falsely reporting on my credit so I decided to contact a lawyer to pursue legal action. Once my lawyer spoke with the collector, they removed themselves from my credit report & backdated the date of removal. My lawyer informed them that we were requesting monetary compensation for the damage done to my credit and the denials I received for XXXX credit applications I submitted. Their legal department requested that I provide a copy of my credit report as proof that they were reporting incorrectly after XXXX 2015. 

I contacted Equifax & requested a copy of the dispute report I filed in XXXX. They said they had no record of my dispute request ( although you can see that an inquiry was pulled by Equifax on their website for the day that I called to submit the dispute ). I asked if a manager would be willing to pull the call so they could hear that I requested a dispute be submitted, but Equifax refused & said all they can do is send me the original dispute results from XXXX 2015. The original dispute report says nothing about me submitted a dispute against the company nor does it show the date when the collection had been removed. 

The Equifax representative stated that Equifax does n't have a way to see when a collector contacts them to have their account removed from any credit file. I know this is false because I have received previous showing confirmation that a collection was removed my from report. I believe that Equifax is removing collectors from credit reports & backdating the report date to help the collector avoid lawsuits. This hypothesis is based on the other thousands of complaints submitted by others with similar experiences with Equifax. I 'd like to find out who I can report my complaint to regarding my concerns with Equifax & if they are able to help me obtain the documentation needed to continue my legal pursuit with this collector.
Complaint sub-issue: Received bad information about your loan

I have been paying my DLSCNS loans on a IDR since XXXX. My loans were originally with XXXX XXXX XXXX XXXX XXXX XXXX program from XXXX. Then cornerstone took over my loans in XXXX, of course I have no say in any of this, and they had my loans until XXXX. In XXXX another hand over occurred to Fedloan servicing. Back in XXXX, while with Cornerstone, I asked how many qualified payments I had on my account. I was curious, as I have been paying every month since XXXX. Cornerstone came back to me saying they were having trouble accessing the information from my previous loan servicer, XXXX XXXX. I said to them, " How is that my problem? You are a financial institution, and anytime you take over someones loan, you would naturally have all the information that goes with it? ". They said they would need sometime to go back through their records to follow up my query. Not too long after that phone conversation, my loans were sent to FedLoan servicing. 
The minute my loans went to the new servicer FedLoan, I questioned them straight away, about how many qualified payments I have. I got a response from them on XX/XX/XXXX, saying that I had XXXX qualified payments thus far. I immediately rang them up, and said that was incorrect, as I have been paying since XXXX, without any interruptions, and my wages are always certified every year, and no forbearance taken out. I was told that they would expedite my question and I would here from them in 3 business days. That was back in XX/XX/XXXX, I have followed up another time, and still no response. 
My loans should be nearing forgiveness, instead they tell me I have another 16 years to go. That would take me to XXXX, meaning I have been paying loans for 36 years. There is something fundamentally wrong with these Income driven repayment plans. 
I require any help that is possible, to get the correct and just outcome.
Complaint sub-issue: Reporting company used your report improperly

When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company XXXX. I would like these things to be taken off my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people
Complaint sub-issue: Public record information inaccurate

Take my bankruptcy off my credit report
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2018 I notified Citi XXXX XXXX card that I dispute all charges related to credit card number xxx XXXX. The charges at the time were in the amount of {$6200.00}. I explained that the account was not opened by me and I had no possession of the card issued under this account. I never authorized anyone to open or use this account. 
The card was opened by XXXX XXXX ( ex ) husband who is responsible for all charges. XXXX XXXX was making the payments from his accounts until our divorce proceedings at which time he stopped paying the card and handed it to me for payment. 

Citi XXXX XXXX gave no consideration to my statements and facts described in multiple letters dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 and rejected my claim. 

I continue to dispute all charges of the Citi XXXX XXXX card account and there would be no further payments made for this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a loan that was placed 30 late in error. The company retracted and told me it would correct the mistaken 30 late notice error reporting to the credit agency. I have not seen a change. 

I called in with an attempt to pay on the above account and was told to wait, someone would contact me if the payment did not go through. 

When I called back, the payment had not processed so I paid within the grace period. 
Why did I then get a late derogatory notice sent to the credit bureaus? 
I received erroneous payment detail for customer service, representative error This is my email " Good morning, I would like to formally contest the 30-day late item posted to my credit report. 

I called in several times about this payment being applied to my account and rejecting although funds were in the account. I have never had this problem before with XXXX. I called customer service to get more answers. The first person I spoke to told me that the funds did post. I was relieved. But I received another email saying that the funds were rejected. Confused, I was told to wait and call back at a certain date and time for more answers. The day I did call back, I was told that you were still having problems with this account so I paid the entire past due on a debit card. I was ensured that no credit bureau notice would incur if I paid that day. 
If you look at my entire credit account in each credit bureau, I have never had a late payment for the entire history of all my accounts, I take this seriously. 
Please give me a one time grace and reverse the late reporting on this particular account. I have attached a pic of the credit report. 

Thank you in advance. 

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

Ive communicated with ( XXXX, Equifax, and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account : XXXX XXXX XXXX  # XXXX. To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.
Complaint sub-issue: Information belongs to someone else

I have no a knowledge of this account according to the FCRA This item must be removed
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Im am submitting this complaint on my own behalf, I am a XXXX XXXX  so I'm on the road a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.
Complaint sub-issue: Debt is not yours

ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX  account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX
Complaint sub-issue: Information is not mine

I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2
Complaint sub-issue: Company closed your account

This happened mid XX/XX/ 2018. I either made a payment or Citi auto drafted a payment, something was miscommunicated with XXXX XXXX XXXX  and the payment returned. Citi automatically redrafted the payment and apparently XXXX XXXX XXXX rejected. I woke up to an email that said Citi shut down my account without any notice at all. They didnt give me the opportunity to clear it up even though it was all on them and their communication with XXXX XXXX XXXX. I used this card for absolutely everything it was my only card that had any sort of real limit and has put an incredible amount of stress on my family and I, this was 2 weeks before my son was XXXX.
Complaint sub-issue: Report improperly shared by CRC

I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please
Complaint sub-issue: Their investigation did not fix an error on your report

PNC BANK account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for PNC BANK to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for PNC BANK to state this debt was created and definitely no way it can validate it is owed by me.
Complaint sub-issue: Charged too much interest

I have a Citi ThankYou Preferred Card, and I think the way they apply my minimum payments is completely unfair. 

I have two different balances/amounts on this card, the first being approx. {$630.00} which is at 12.99 interest currently, when the 0 % promotional rate for this amount expired on XX/XX/XXXX. 

Now, the second ( newer ) balance is approx. {$3400.00}, from when I accepted a 0 % promotional balance transfer offer a few months ago. 

The problem is that when I submit my minimum payments to this card issuer, instead of applying the payment to the older balance ( the {$630.00} ) which has an interest rate of 12.99, they are applying basically the full amount to the {$3400.00} ( the newer one at 0 % ), so I 'm essentially stuck with the inability to pay off the part of my balance that is subject to interest. Unless I just get rid of ( transfer off ) the whole thing, which I would really rather not do, since I 'm getting 0 % on most of it.
Complaint sub-issue: Reinserted previously deleted info

i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I don't have a written contract with the company ( I C SYSTEM ), nor have I in the past. Therefore, I don't owe this company anything.
Complaint sub-issue: Information is not mine

Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXXY XXXX XXXX XXXX XXXX, FL XXXX