Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.
Complaint sub-issue: Account information incorrect

The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
Complaint sub-issue: Investigation took more than 30 days

I have a Dispute with the Credit Bureau about the incorrect items on my credit report. It's been well over 30 days and I still didn't receive my investigation Results.
Complaint sub-issue: Account information incorrect

It has been over 120 days since i have been trying to get Equifax to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Equifax is reporting inaccurate information on my consumer credit report. To this day Equifax has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Equifax has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX is my name my social security number is XXXX XXXX year of birth. Equifax refused to do my dispute over the phone the office of consumer affairs keep s telling  me to send in documents in order to do my dispute they also refused to give me information about my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Complaint sub-issue: Public record information inaccurate

I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you
Complaint sub-issue: Information belongs to someone else

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Complaint sub-issue: Was not notified of investigation status or results

I contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted several complaints via CFPB about XXXX, XXXX and Equifax. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.
Complaint sub-issue: Debt resulted from identity theft

Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.
Complaint sub-issue: Information belongs to someone else

I have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX : XXXX   2.XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX   3.XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX : XXXX  5. XXXX XXXX   Equifax : XXXX, XXXX : XXXX XXXX : XXXX
Complaint sub-issue: Problem with fees

After using a credit card for cash advance, my wife and I were shocked to see the fee that was charged to us by the Citi credit card company. I corresponded with the credit card company via their app. The corresponding customer service agent responded that the fee that was charged was in the cardholder agreement. When I responded that the cash advance fee increase associated with the credit card had never been communicated, he referred me back to the cardholder agreement on their website. This is a XXXX XXXX card that was automatically issued when Costco converted from honoring the XXXX XXXX card that we had originally. 
When I explained that I had never seen this fee, I was referred back to the cardholder agreement on their website. I think that the previous original cash advance fee percentage was 3 % and not the 5 % that I was charged this time. There is no way for me to confirm or were they able to verify when the increase was made. I am willing to pay for the lower percentage but feel that being charged for the higher percentage that is arbitrarily set by the card company without proper notification is unacceptable.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I have never recieved any response about the letter i sent last XX/XX/XXXX. The inaccurate information about my inquiry is still on my Credit Reports. Therefore, Equifax Credit Bureau 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 Credit Bureau as willful negligence and non-compliance with federal statutes. Here is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXCal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Frequent or repeated calls

I have been called 7 times in less then 12 hours, including 4 in a one hour span. Tuesday XX/XX/XXXX and XXXX. Company is IQ data international
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX I tried to use my credit card and it was turned off. I called and found that there were 4 charges that I didn't make. The company flagged this and shut off the card. Two of the charges were pending and the company denied them. Two of the charges, however, they let go through. The charges were dated XXXX for {$100.00} each. There were two identical charges. I disputed those two charges and on XX/XX/XXXX received a denial letter from them stating that the merchant provided " compelling evidence which included your name, address, and phone number. '' I called the merchant and they had no record of my name, address or phone number. I called the card company back and requested the documentation they relied on in making their decision and was told that it would be mailed in ten days. They supposedly sent it out on XX/XX/XXXX. I never received it. I called again on XXXX and they requested the documents be mailed again. The were supposedly mailed to me on XXXX and as of XX/XX/XXXX have not received them. I'm told the fraud department does not take phone calls. They will not email the information to me. There is no way for anyone to tell me verbally what information they had on file. The only thing the can do is request the documentation again. This has been over a month and I am still getting a run around with them. They told me I could send another letter, but without knowing what they used to rely on, I feel that's a waste of time. Hopefully you can help resolve this? They were two charges I did not make or authorize. They were for gift cards that were emailed to someone using my card and nobody can provide any information about anything.
Complaint sub-issue: Charged too much interest

I bought some electronics at bestbuy using my bestbuy store credit card with 18 months interest free financing. I set up recurring payments to pay the minimum with the intention of paying off the loan in a lump sum at the appropriate time. In the past when I have done this, I have been able to log into my account easily to see when the promotion was ending to make the full payment. This time, it looks like bestbuy transferred the credit card management site to Citi bank and even though they claim you can log in with your bestbuy account information, I couldn't log in when redirected to the site. I wasn't able to call in time to have this login issues resolved. And because I setup automatic recurring payments, I thought I had ample time. To my surprise, I saw an email with a balance much higher than the amount left to be paid off ( {$4300.00} instead of {$2800.00} ). Between Citi bank and/or bestbuy, it looks like they pile up all the interest accrued for the 18 months of the promotion period and apply all that at the end ( XX/XX/XXXX for me ) for you to pay, which is an unexpected and crazy amount to begin with. I have not seen any interest charge on my other credit cards applied in this deceitful way. 

Being a loyal customer for over 10 years now, I have tried working with them to get these unreasonable interests off but they have been very inflexible to work with and it really seems like they don't care, even with the hard times we are in, given the pandemic and are just happy to stick me with the interest of {$720.00} and {$920.00} for 2 consecutive months. 
I spoke with a representative about their covid relief plan, which allows an extra 2 months extension of the promotion and she said she will be able to apply that for me so I pay off the loan, which I paid off right there with my emergency stash funds. The extension was to allow me till XX/XX/XXXX and I paid the full balance off XX/XX/XXXX. However, I still see the second interest of {$720.00} after 2 days and when I called in again just today ( XX/XX/XXXX ), they are telling me they can only take off one interest charge within a calendar year so there is nothing they can do. They are now saying that i requested the assistance after they had charged the interest so it doesn't apply to me. 
I honestly do not know what to do and don't have the funds for this charge, which I strongly feel is not a fair charge to begin with. This does not seem fair at all being at the hands of such big companies charging me this crazy amount in these crazy times and basically sticking me with a severely unfair debt in my opinion. To make it even more painful, the customer service representatives only say they completely understand me but there is nothing at all they can do. I have never felt so helpless before. 
I am asking that you please step in here and help me out of this predicament. I am happy to answer any additional questions via phone.
Complaint sub-issue: Debt is not yours

I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.
Complaint sub-issue: Account status

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed.
Complaint sub-issue: Funds not received from closed account

A XXXX ( Checking ) account was opened with MoneyLion on XX/XX/2022. My {$25.00} initial balance was supplement by a {$100.00} direct deposit from my husband 's job on XX/XX/2022. Because of the name mismatch, my account was closed on XX/XX/2022, and I am unable to access the balance. After initially being told the {$120.00} balance would be liquidated and mailed via check, I was told that the balance would not be returned due to an unsolvable " system error ''. Customer service agents and supervisors stonewalled me saying there was no way return the money.
Complaint sub-issue: Information belongs to someone else

I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have written to XXXX, and Equifax on serval occasions requesting the removal of Inquiries that I did not authorize. Only to be told that they have no affect on my credit. I do not have open accounts with these companies and have never applied for credit with them. On my XXXX credit report there is XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX  XXXX dated XX/XX/XXXX, XXXX/XXXX  dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX, XXXX XXXX   dated XX/XX/XXXX. On my Equifax report XXXX XXXX  dated XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have written these bureau 's over the past year disputing the accuracy of my report 's due to me trying to purchase my first house and these inquiries are affecting my score and preventing me from purchasing my forever house for myself and family.
Complaint sub-issue: Problem during payment process

on XX/XX/26, i cancelled auto pay with US bank to govern my own payment schedule. 

on XXXX, i realized that {$280.00} was " transferred '' out of my account- this was not authorized or approved. 

on XXXX, at XXXX XXXX  PT, i called card services. no info was shared with me on how this happened.
Complaint sub-issue: Information belongs to someone else

I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.
Complaint sub-issue: Public record information inaccurate

I have tried several times to get LexisNexis to stop reporting inaccurate information on my credit report. The bankruptcy they have on file it's not mine the address is not mine and the marital information is not mine.
Complaint sub-issue: Received bad information about your loan

XX/XX/XXXX - XX/XX/XXXX : My federal student loan was being serviced by American Education Services ( AES ) XX/XX/XXXX : President Biden announce Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) XX/XX/XXXX : I submitted my TEPSLF application and consolidated my federal student loan with FedLoan, as per the U.S. Department of Education 's instructions. 

XX/XX/XXXX : I received a letter from FedLoan reporting the outcome of my PSLF eligibility. Even though I had over 10 years of qualifying employment and have made payments on my student since XX/XX/XXXX. However, FedLoan informed me that loan payments made between XX/XX/XXXX through XX/XX/XXXX were not eligible. No explanation was provided. 

XX/XX/XXXX - XX/XX/XXXX : After series of back and forth with the FedLoan Office of Consumer Advocacy ( OCA ), in XXXX I discovered the real reason as to why the payments I made between XX/XX/XXXX through XX/XX/XXXX were excluded from the PSLF count. FedLoan informed me that according to the National Student Loan Database System, my loan was purportedly in " deferment '' status. I informed OCA that this information was inaccurate and I provided proof of loan payments made since XX/XX/XXXX, but FedLoan indicated they couldn't do anything about it. 

XX/XX/XXXX, I reached out my former loan servicer, American Education Services, to get an explanation. AES loan counselor, XXXX, acknowledged the reporting error and clarified that my loan was only in deferment for one year between XX/XX/XXXX through XX/XX/XXXX, and the record shows that I have been making my monthly loan payments since XX/XX/XXXX. She escalated my case to another team for review and reconciliation, but today I received an email from AES Customer Service indicating that they can't do anything to fix this error and referred me back to FedLoan to update the status in the national student loan database system. However, FedLoan has been less than accommodating.