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

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what Equifax and XXXX  are reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting 6 " untitled '' creditors to my credit report. I have sent them a validation letter asking them to verify the account and they have come back as verified. I am confused as to how this information was verified and to what company it was verified with. I am unable to send validation due to me not being aware of who it is.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am not aware of these inquiries made on these dates. 

XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards
Complaint sub-issue: Account information incorrect

NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Complaint sub-issue: Account information incorrect

Equifax Credit Bureau on a soft inquiry on or about XX/XX/2022 by XXXX XXXX for XXXX XXXX XXXX apartments reported inaccurate/questionable information. This resulted in a " credit history unsatisfactory '' finding and a application to lease an apartment denied. Equifax reported a credit score of XXXX but with comments that would make an XXXX credit score impossible. There is nothing in the entire credit report that will substantiate their comments. I have notified Equifax of this situation with a request to expunge the comments and am awaiting a response
Complaint sub-issue: Debt was paid

This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt..so why is income being reported on my consumer report? I know that a 1099-C had to be filed, and I never received a copy of it. 

Violations noted in my letter ( see attachment that was mailed XX/XX/2022 without response from the company ) : 15 USC 1601 ( a ) 15 USC 1602 ( k ).

15 USC 1602 ( p ).

15 USC 1681b ( a ) ( 2 ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

I've disputed this over a year now. I took out a {$400.00} loan out 8 yrs ago and the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX is charging me {$2800.00}. I told them that Ohio does not allow hundreds of percent taken on pay day loans and I would pay off at a reasonable rate.They told me they will not remove for another 7 yrs if I dont pay almost 500 % interest on a {$400.00} loan that should be charged off by now they bought for pennies. Original creditor NCP finance Ohio who also was in trouble for overcharging and being predatory.
Complaint sub-issue: Account information incorrect

In 2019 I requested was granted a forbearance on my loans by Nelnet, however one month, the month of XX/XX/2019 shows a 90 days past due on all XXXX loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have XXXX. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.
Complaint sub-issue: Information belongs to someone else

Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XX/XX/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 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: Problem with personal statement of dispute

Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.
Complaint sub-issue: Talked to a third party about my debt

Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over
Complaint sub-issue: No notice of investigation status/result

Equifax refuses to investigate credit inquires I have disputed this with the cfpb multiple times and no change from Equifax Equifax continues to state that I must contact the creditor if I disagree with the inquiry but Equifax continues to display inaccurate info at the expense of my credit score and credit reputation
Complaint sub-issue: Application denied

Bloomingdale 's may have violated the Equal Credit Opportunity Act ( ECOA ). 


This is made clear by their having denied my application on the sole basis of the " number of credit bureau inquiries '' on my credit file and further exemplified by their clear dismissal of my reconsideration letter. In the aforesaid letter, I had made it clear to Bloomingdale 's credit services that it had come to my attention after receiving their " denial letter '' that there were a number of unauthorized pulls on my credit file, which I then brought to the attention of XXXX, who after investigating the matter, ruled in my favor and promptly deleted the unauthorized inquiries. 

Since it was expressly clear that the inquiries were the alleged reason for their denial, it lead way to a reasonable inference that if this was rectified, that Bloomingdale 's would thereafter extend credit to me as the reason for the inquiries on my file were not to a fault of my own. 

Yet, I have not heard from their credit service department and they have refused to discuss this further with me over the phone when I called. It is clear to me in the way they have addressed me over the phone ( with such disdain, even mocking my name as it was not a novelty for them in their rejection pile ) and in ignoring my correspondence, that they are clearly discriminating against me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This Collection agency XXXX XXXX XXXX have been doing illegal activities before any legal matters get involved I would like to resolve this matter by them being removed from my consumer report. XXXX XXXX XXXX XXXX # XXXX Has been removed from 2/3 Credit Reporting Agencies due to its inaccuracies. 
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. Below will be attached an FTC Report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the fair credit reporting act. The list of accounts below violated federally protected consumer right to privacy and confidentiality under 15 USC 1681.

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 XXXX  XXXX XXXX XXXXXXXX auto sales XXXX  card services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

My student loans were consolidated in XX/XX/XXXX so that I would be on an Income Based Repayment Plan and have my loans forgiven after 120 payments. I began making payments to XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit report does not show any payments from XX/XX/XXXX through XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 payments. That is also {$9200.00} not credited to my account plus any interest I may have accrued. I have my bank statements showing that I made all of these payments. 

Also, when I call FedLoan servicing they are saying that I was on the wrong Repayment plan to receive loan forgiveness in XXXX and XXXX. FedLoan is the company that serviced my loan in XXXX and helped me consolidate them so when they sent my loan to XXXX they should have told them I was on an IBR plan.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

In XX/XX/XXXX after having my card since XX/XX/XXXX and always making my payments Discover decreased my credit limit without reason by {$500.00}.
Complaint sub-issue: Reporting company used your report improperly

Home Depot refused to remove or reverse their action of closing the unused account.
Complaint sub-issue: Right to dispute notice not received

I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. 
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Their investigation did not fix an error on your report

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts 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 are the accounts that are still reporting on my account : XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX, i was visiting a friend at XXXX XXXX XXXX in the XXXX ,  n.y and i was assaulted by an individual that took my money and my wallet. i reported the incident to the XXXX XXXX  that gave me an incident slip # XXXX on XX/XX/XXXX ,2014.A few months later i checked my credit report and notice somebody use my ID to get 2 loans one was from XXXX XXXX XXXX and the other to XXXX XXXX.i have been tryng to get my credit report clean and succeded in getting it off XXXX AND XXXX BUT NOT EQUIFAX.even though i have provided everything they need to delete these accounts to no avail. i need them to verify these accounts by providing me an original with signature my on it as to verify that these accounts are mine. because i never signed any documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX, 2016, I ate at a restaurant in XXXX XXXX called XXXX XXXX and became seriously ill because they apparently do n't clean the fish they serve there. I emailed them and complained and disputed the charge on my Citibank XXXX XXXX card because I did n't think I should have to pay for a meal that made me sick and sent me to an emergency room. Citibank contacted them and they said I never complained to them which was a lie and Citibank sustained the charge without investigating I have since filed complaints with the Better Business Bureau, and the XXXX XXXX Consumer and Business Affairs. BOA ignored all of their correspondence so I was found to be correct in my claim. I went back to Citibank, the Office of the President through someone named XXXX XXXX. He arranged or asked me to call a man named XXXX XXXX at the restaurant for my refund. The man never called me back and never replied to my email. Copies of a years worth of correspondence are being attached here. XXXX XXXX old me that " It 's hard for them to investigate with restaurants '' but I know that Citibank never investigated this at all.
Complaint sub-issue: Billing problem

On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.
Complaint sub-issue: Other problem getting your report or credit score

Since XX/XX/2022, my personal bank and XXXX companies I pay to monitor my credit scores ( XXXX  and XXXX  ) have been unable to pull my Equifax credit report. This has largely affected my ability to ascertain personal loans as well as a mortgage. I have made several calls to Equifax with no resolution to this major issue.