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

I am a first time home buyer and was excited to find an amazing house. In the pre-approval process, I was informed of a tax lien on my Equifax credit report. In disbelief, I called the XXXX XXXX XXXX XXXX to confirm this lien. I was informed that no lien was found under my name. Further investigation showed the tax lien belonged to my father, who has a similar name. In pursuit of removing this lein from my report, as of XX/XX/2017, I filed a dispute with Equifax. On XX/XX/2017, Equifax " completed '' the dispute. The confirmation letter sent to me read : " We have reviewed the lien information. Case or ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX The results are : This item has been deleted from the credit file. ". After 30 days, the tax lien still shows up on my credit report under the public records section. I have contacted Equifax customer support many times in the past weeks expressing my concerns, they have been extremely stubborn and tell me that I will have to file another dispute and therefore wait another 30 days. At this point in my contract, I do not have another 30 days to dispute this information. The lien should have been properly taken off during the first dispute process.
Complaint sub-issue: Didn't receive advertised or promotional terms

I made a purchase at Best Buy on XX/XX/2018 for {$3600.00} when the offered me a no interest for 18 months credit card, I asked the salesperson what happen if I don't pay in full in the 18 months, he told me then you will have to pay interest in your balance, I said ok, so he walked me to the cashier and she asked me for my personal information 5 minutes later she told " congratulations you are approved '' and she asked me to sign on the electronic pin pad and gave me the receipt. 
I asked her for a copy of my application but she told me that I will get it by mail along with the new card in 10 business days, a month passed and I didn't get any correspondence, I called Best Buy asking for the documents the customer service representative apologized and told me that he is going to expedite my request and that I should receive it in no more than 5 business days, effectively at the fourth day I just received the new card with the activation information ONLY. 

In XXXX I logged in to make my monthly payment and I notice that my account that was supposed to be about {$350.00} is now {$1200.00} because they charged me the 18 months of interest. I called to ask for any document signed by me accepting those terms. 

I called Best Buy in XXXX, spoke to the manager, this very rude lady told me that all that information was on the pin pad and that I should have read the information when I signed the receipt for the purchase, I told her that it is impossible to read that information in such a small device in less that 3 minutes, she ironically told me " I do it every time that I buy something '' Last week somebody called me from Citibank saying that they funded Best Buy 's credit cards, I asked this person how it is possible that I have this card since XX/XX/2018 and it is the first time that they call me to tell me this information, however, I explained this lady the problem, but she told me " I am sorry, but it is too late for you to request an adjustment of interest, you had only 30 days to it, I am pretty sure that Best Buy should have told you this, they are very well trained '' I felt insulted. 

Now Citibank calls me every day treating me to put me on collection.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy 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 requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XX/XX/21
Complaint sub-issue: Their investigation did not fix an error on your report

As of late XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.
Complaint sub-issue: Reporting company used your report improperly

3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point
Complaint sub-issue: Information belongs to someone else

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Complaint sub-issue: Information belongs to someone else

I am a victim of fraud and identity theft. An individual was able to finance a car under my name using fraudulent information. I sent the police report, the written affidavit, and proof of identity to Equifax on XX/XX/XXXX. I received confirmation that F.Shavers signed for the package on XX/XX/XXXX. I have called and spoke to several people in the fraud department ; however, the item is still on my account. I am frustrated and feel victimized all over again. It isn't fair to be treated this way. I am at my wit 's end. None of the other credit bureaus are giving me a hard time except for Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX did it, but XXXX  and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER XXXX  WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX XXXX AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Complaint sub-issue: Collected or attempted to collect exempt funds

This account is my ex husband I don't know anything about this! I am truly upset threating my ssi and I am scared I don't want jail!!!!! Please can u help me this is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX alerted me of a past due and I researched my report and did not recognize the company nor have an account with Elan. After calling 3 different numbers with capital credit was provided a number to Elan Credit. 

Spen 58 minutes and finally spoke to a male XXXX XXXX who advised my Acct had been converted/ conversion from a card Connexus. I explained that I received no phone calls, statement or emails. I then Asked what address and phone and was provided with my home address and a incorrect phone and email. I then asked about my ACH that had been taking from my bank Acct and he had no record. 
He could not provide me with full credit card number due to the conversion and only the last 4. 
He advised to pay the amount due {$82.00} and he would get with his mgr about correction to my credit report. I then elected to pay the balance in full, and afterwards in the call was advised I would have to call another number to discuss. I called the number and advised to write a letter and reference the account number Which they couldnt provide. Therefore I could not send a complaint without the completed card number. 
I filed a dispute with XXXX XXXX and XXXX they advised Elan would not be changing the credit report and no explanation provided. 
I have been erroneously reported as delinquent when Elan failed to advised of the company taking over and did not admit they had incorrectly reported derogatory information. They failed to provide contact information and limited me from trying to correct when they could not give me the full account number to file the complaint. Conversion or not, this company failed to inform and made a promise that they would correct, when I paid the account off.
Complaint sub-issue: Old information reappears or never goes away

Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.
Complaint sub-issue: Not disclosed as an attempt to collect

On XXXX XXXX, I had called Great Lakes Student Loans in regards to my Student Loans going into default on the XXXX. The Representative asked if I could make any payment. I made a {$50.00} payment and she was going to check to see if she could set me up on another payment plan and call me back. I received no callback. I called back on the XXXX and was told that my case was still pending approval and there was no note to call me back. The woman told me that if I made the remaining {$160.00} ( to total the {$210.00} payment - which is part of the graduated payment plan which they were working on getting me on ). She informed me that if I made the payment then I would be placed on the payment plan and MY STUDENT LOANS WOULD NOT GO INTO DEFAULT! This was on a recorded line! I am furious to know that they have been moved to a collection agency!
Complaint sub-issue: Information belongs to someone else

There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX ( {$2300.00} ) and XXXX ( {$180.00} ). The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXXXXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX/XXXX.
Complaint sub-issue: Debt was paid

Original bill was for a XXXX XXXX  account - not aware at the time of outstanding bill until XX/XX/XXXX. On XXXX outstanding bill was paid with XXXX  - Immediately notified IC System and submitted documentation. 
They continue to refuse correction - which has resolved in higher interest rate on mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 opened : XX/XX/XXXX Balance : {$750.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$430.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

The 3 Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
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 U.S.C. 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 consent. 

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: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, Equifax, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX  XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and XXXX  show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. Equifax and XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX XXXX XXXXXXXX. XXXX shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XXXX shows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I provided a {$2500.00} credit card deposit to a merchant, XXXX XXXX, for the construction of a patio. Work was scheduled to begin on XX/XX/2020. This work was not completed, the merchant stopped communicating with me, and I found reviews on XXXX  web site and other review sites detailing how the company took a downpayment, then never completed the work. 

On XX/XX/2020, having done my due diligence to obtain a resolution with the merchant, I disputed the charge with the credit card company. 

On XX/XX/2020, I received a phone call from the merchant, where I requested a refund of the downpayment and was told that it would not be provided. I reported the merchant to the PA State Attorney General 's office. 

The merchant 's response to the State Attorney general was that work was not completed. I have documentation to support that statement. 

The merchant 's response to the credit card company was that work HAD been completed and the merchant wasn't sure why I was requesting a refund. The credit card company requested information from me that would refute the merchant 's claims. 

After providing the credit card company with documentation to show that the merchant 's response to MasterCard was false, the investigators determined that the merchant was " working with me '' to complete the work and denied my request for a credit. I disputed this result and later received a notification that if I could provide proof that the merchant was providing me with a credit, the case could be re-opened.
Complaint sub-issue: Account information incorrect

I had credit card fraud ( citi bank ) happening from XXXX XXXX XXXX. I did not realize until I closed my account in XX/XX/2019. Once I closed my account I disputed the charges. It took from XXXX XXXX XXXX  to finally win my dispute. M credit score went down and there is a report of not paying my credit card in XX/XX/2019. I do not feel I should be held liable for a bill that is not mine.
Complaint sub-issue: Account status incorrect

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

bayarea put a neg statement to the cr bur, previous creditor XXXX never had a notice to cr bur i owe XXXX
Complaint sub-issue: Account status incorrect

Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help